金融理论与教学2026，Vol.44Issue(2)：25-35,11.
人工智能对商业银行经营绩效的影响研究
Research on the Impact of Artificial Intelligence on the Operating Performance of Commercial Banks
摘要
Abstract
Based on the unbalanced panel data of 105 commercial banks from 2010 to 2024,this paper measures the operating performance of commercial banks from three dimensions—profitability,liquidity and security—by virtue of the principal component analysis.Meanwhile,it adopts the text analysis method to construct measurement indicators for artificial intelligence(AI)applications in commercial banks,and conducts an empirical analysis of the impact and mechanism of AI on the operating performance of commercial banks.The study finds that artificial intelligence can significantly improve the operating performance of commercial banks,and the conclusion is still valid after a series of robustness and endogeneity tests.From a dimensional perspective,artificial intelligence has significantly promoted the profitability and liquidity of commercial banks,but the impact on security has not reached a significant level.Mechanism analysis shows that artificial intelligence improves bank operating performance by reducing bank operating costs,alleviating information asymmetry between banks and enterprises,and improving bank innovation ability and operating performance.The heterogeneity analysis further shows that the improvement effect of artificial intelligence is more obvious in banks in the eastern region,banks with higher competitive pressure,and joint-stock commercial banks and urban commercial banks.关键词
人工智能/商业银行/经营绩效/文本分析法Key words
artificial intelligence/commercial banks/operating performance/text analysis分类
管理科学引用本文复制引用
肖锋,徐高洁..人工智能对商业银行经营绩效的影响研究[J].金融理论与教学,2026,44(2):25-35,11.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）
