金融学院知识库

近年来，伴随着互联网技术的日益普及，金融科技的飞速发展，金融业既面临着严峻的挑战，又面临着前所未有的发展机会。随着金融技术的迅速发展，传统的融资方式得到了很大的改进。数字化转型是我国商业银行发展的必然趋势，是提高我国商业银行整体业务水平和获取竞争优势的关键所在。
文章从商业银行管理和业务两个不同的视角，通过对国内外有关文献的汇总整理，明确了金融科技与银行数字化转型的含义和发展进程，并对我国金融科技和数字化转型的发展现状以及应用领域进行了描述；以金融创新理论、长尾和技术推进理论为理论依据，基于银行管理水平和业务水平的调节作用下，深度剖析了商业银行利用金融科技对其数字化转型的总效用。利用文本挖掘法对金融科技指数、数字化转型指数进行测算，选取 20 家上市银行为研究样本展开实证检验， 对不同类型的商业银行所产生的影响进行异质性分析，进而得出相应的结论与建议。
本文得出的主要结论是基于银行管理水平的调节作用下，金融科技对商业银行数字化转型的总效应更为显著；虽然银行业务水平在数字化转型过程中起到了弱化的作用，但是并不影响金融科技推进数字化转型的进程。金融科技对商业银行数字化转型的作用效果存在异质性，相比于城商和农商行，国有行和股份制商业银行的作用效果更加明显。
 

In recent years, with the increasing popularity of Internet technology and the rapid development of financial technology, the financial industry is facing both severe challenges and unprecedented development opportunities. With the rapid development of financial technology, traditional financing methods have been greatly improved. Digital transformation is the inevitable trend of the development of commercial banks in China, and it is the key to improve the overall business level of commercial banks in China and gain competitive advantage.
From two different perspectives of commercial bank management and business, this paper clarifies the meaning and development process of financial technology and digital transformation of banks through summarizing and sorting out relevant literatures at home and abroad, and describes the development status and application fields of financial technology and digital transformation in China. Based on the theory of financial innovation, the theory of long tail and technology promotion, and under the adjustment of bank management level and business level, this paper deeply analyzes the total effect of commercial banks on their digital transformation by using financial technology. The text mining method is used to measure the financial technology index and digital transformation index, and 20 listed banks are selected as research samples to carry out empirical tests, and the impact of different types of commercial banks is analyzed in a heterogeneous way, and then corresponding conclusions and suggestions are drawn.
The main conclusion of this paper is that the overall effect of financial technology on the digital transformation of commercial banks is more significant under the adjustment of bank management level; Although the level of banking business has played a weakening role in the process of digital transformation, it does not affect the process of financial technology promoting digital transformation. The effect of financial technology on the digital transformation of commercial banks is heterogeneous. Compared with city commercial banks and rural commercial banks, the effect of state-owned banks and joint-stock commercial banks is more obvious.