系统管理学报2025，Vol.34Issue(2)：509-524,540,17.DOI:10.3969/j.issn2097-4558.2025.02.016
分支机构空间分布、银行竞争与企业数字技术创新
Spatial Distribution of Branches,Bank Competition,and Enterprise Digital Technology Innovation
摘要
Abstract
Bank competition plays a crucial role in reducing the information asymmetry between banks and enterprises,thereby significantly influencing the digital technology innovation activities of enterprises.Using an expanded endogenous economic growth model,this paper theoretically examines the micro-mechanism through which bank competition affects enterprise digital technology innovation,using the number of bank branches surrounding an enterprise to characterize the level of bank competition,and employs the data from China A-share listed companies from 2011 to 2021 for empirical analysis.The results show that bank competition significantly promotes enterprise digital technology innovation,with an increase in the number of neighboring bank branches benefiting digital innovation.Compared to strategic digital technology innovation,substantial digital technology innovation is more strongly influenced by bank competition.Furthermore,enterprises with executives possessing a digital background experience a more pronounced effect of bank competition on their digital technology innovation.The mechanism analysis shows that bank competition mainly drives digital innovation by alleviating financing constraints.It is also shown that the relaxation of financing constraints can enhance the research and development intensity,improve human capital quality,increase enthusiasm for digital technology innovation,and foster collaborative innovation mode,all of which provide comprehensive support for digital innovation.In addition,the development of financial technology and the strengthening of financial supervision positively regulate the impact of bank competition on enterprise digital technology innovation.关键词
银行竞争/分支机构空间分布/数字技术创新/融资约束Key words
bank competition/spatial distribution of branches/digital technology innovation/financing constraint分类
统计学引用本文复制引用
王杰,王军..分支机构空间分布、银行竞争与企业数字技术创新[J].系统管理学报,2025,34(2):509-524,540,17.基金项目
中国石油大学(华东)研究生创新基金资助项目和中央高校基本科研业务费专项资金资助项目(24CX04008A) （华东）
国家自然科学基金资助项目(72473154) （72473154）
