How Banks Digital Transformation Challenges"Small Bank Advantage"——Empirical Evidence Based on 183 Commercial Banks
This paper uses unbalanced panel data of 183 banks from 2011-2021 to analyze the impact of digital transformation on SMEs financing and its mechanism,analyzing challenges posed by digital transformation to"small bank advantage".Conclusions show that:(1)Banks digital transformation help to improve SMEs financing,promotion effect is stronger in regions with more devel-oped external digital financial environments.(2)The digital transformation mainly promotes SMEs financing by reducing operating costs and improving credit efficiency.(3)Promotion effect of digital transformation on large banks is higher than small banks,digital transformation will weaken"small bank advantage".(4)The more perfect the external digital financial environment is,the greater digital transformation weakens"small bank advantage".(5)There is a complementary between digital and traditional credit technolo-gy.Therefore,banks should be guided to invest in digital transformation,especially for small banks,and increase financial risk super-vision for small banks,while strengthening the sharing of digital financial resources.
Digital TransformationSmall Bank AdvantageSMEs FinancingBank Size
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