首页|商业银行数字化转型的组态路径研究——基于模型集定性比较分析

商业银行数字化转型的组态路径研究——基于模型集定性比较分析

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数字化转型作为科技与金融深度融合发展的重要内容,既是商业银行创新发展的必然趋势,也是其增强自身竞争力的首选战略.本文基于"组态视角",运用模糊集定性比较分析法,旨在厘清我国商业银行实现高数字化转型水平的组态路径.研究表明:(1)商业银行数字化转型的实现需要经营、管理和要素三个维度的条件因素组合,并非由单一条件因素所决定;(2)高的科技资本投入和良好的董事会结构在实现数字化转型中发挥着关键作用,优秀的经营条件和积极的ESG实践也能起到重要的辅助作用;(3)存在"资本驱动型""管理驱动型"和"综合驱动型"三种数字化转型模式,不同类型银行对应不同的最优组态路径.本文研究结果明确了数字化转型的关键条件因素和组态路径选择,期望能为各类商业银行制定差异化和系统性的实施战略提供有价值的参考指导.
Research on the Configurational Paths for Commercial Banks to Realize Digital Transformation——Based on Fuzzy-set Qualitative Comparative Analysis
Digital transformation,as an important part of the profound integration of science,and technology,and finance,has not on-ly been the inevitable trend of commercial banks'innovation and development,but also the preferred strategy to enhance competi-tiveness.Based on the'configuration perspective',we use the fuzzy-set qualitative comparative analysis method to clarify the paths of China's commercial banks to achieve a high level of digital transformation.The findings reveal that:a.The digital transformation of commercial banks requires a combination of multi-dimensional driving factors from three company segments including operation,management and factor,and there is no factor that can be exclusively decisive;b.The investment of scientific and technological capi-tal and a good board structure are crucial for a high level of digital transformation,and excellent operation conditions and positive ESG practices can also play an important auxiliary role;c.The existence of'capital-driven','management-driven'and'integrat-ed-driven'models for realizing high-level digital transformation,with different types of banks being matched with different optimal paths.The results of the study elucidate the key factors and configurational paths for digital transformation,and provide reference guidance for various types of commercial banks to formulate differentiated and systematic strategies for digital transformation.

Digital TransformationFuzzy-set QCACommercial Banks

吴过、江春

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上海杉达学院胜祥商学院

武汉大学经济发展研究中心

数字化转型 fsQCA 商业银行 组态路径

国家社科基金一般项目

21BJY084

2024

财经科学
西南财经大学

财经科学

CSTPCDCSSCICHSSCD北大核心
影响因子:1.607
ISSN:1000-8306
年,卷(期):2024.(8)