金融理论与教学2025，Vol.43Issue(5)：33-43,11.
商业银行数字化转型与贷款流动性管理质量
Digital Transformation of Commercial Banks and Quality Management of Loan Liquidity:Research on Overdue Loans Based on Different Types of Guarantees
摘要
Abstract
The research uses Python to conduct text mining on the key words of digital transformation in the annual reports of commercial banks.The entropy method is used to synthesize the digital transformation index,and the rationality of the index is tested based on the actual operating conditions of the banks.The research evaluates the loan recovery risk of commercial banks using the proportion of overdue loans from credit loans,guaranteed loans,and collateralized loans,monitors the quality of bank loan liquidity management,and constructs panel data of A-share listed banks from 2014 to 2022 for empirical analysis.The research results indicate that digital transformation has enhanced the early warning capability of commercial banks for credit asset recovery risks,with particularly improved effectiveness in monitoring liquidity quality of guaranteed loans.Further analysis shows that digital transformation has a more significant warning effect on banks with larger scale,faster revenue growth,higher proportion of credit loans,and faster loan growth.The conclusion of this research is beneficial for bank management to objectively evaluate the costs and benefits of innovative technology investment and optimize management decisions.关键词
银行数字化转型/信贷管理/贷款回收效率Key words
digital transformation of banks/credit management/loan recovery efficiency分类
管理科学引用本文复制引用
罗小利,张凤娜,郭丽红..商业银行数字化转型与贷款流动性管理质量[J].金融理论与教学,2025,43(5):33-43,11.基金项目
2024年度省属本科高校基本科研业务费项目"数字时代黑龙江省中小商业银行信贷风险治理研究"(2024-KYYWF-E001). （2024-KYYWF-E001）
