当代金融研究2026，Vol.9Issue(1)：49-62,14.DOI:10.20092/j.cnki.ddjryj.2026.01.004
人工智能应用对商业银行竞争的影响研究
Impact of Artificial Intelligence Application on the Competition of Commercial Banks
摘要
Abstract
As the core technology driving the transformation of the banking indus-try,artificial intelligence is deeply affecting the competitive pattern of commercial banks.In order to explore its specific path and effect,take 105 commercial banks from 2010 to 2024 as a sample,and comprehensively use the panel fixed effect mod-el and quential regression to carry out empirical analysis.The study found that the application of artificial intelligence significantly exacerbates the competition of commercial banks,and the percential regression reveals that it has the strongest competitive effect on middle and upstream banks at the 75％percentile,showing the asymmetric characteristics of"high middle and low at both ends".The mecha-nism analysis shows that the effect is achieved through three channels:improving business efficiency,risk-taking level and income diversification.Heterogeneity anal-ysis shows that the competitive promotion effect of agricultural and commercial banks,urban commercial banks and banks in economically developed areas is more significant.Under the wave of digital economy,banks should increase investment in AI technology,and regulators should implement differentiated supervision to pro-mote fair competition and high-quality development in the banking industry.关键词
人工智能应用/商业银行竞争/经营效率/风险承担水平/收入多元化Key words
Artificial Intelligence Application/Competition of Commercial Banks/Operational Efficiency/Risk-taking Level/Income Diversification分类
管理科学引用本文复制引用
肖锋,徐高洁..人工智能应用对商业银行竞争的影响研究[J].当代金融研究,2026,9(1):49-62,14.基金项目
江西省教育科学规划项目"数字经济背景下金融人才数据素养的岗位需求匹配及其提升路径研究"(23YB166) （23YB166）
江西省哲学社会科学重点研究基地项目"金融科技创新视阈下人口老龄化对居民消费升级的影响研究"(2023490245). （2023490245）
