Differential Analysis of Digital Transformation on Bank Risk-Taking
This paper takes China's commercial banks from 2010 to 2021 as the research object to explore the differenti-ated impact of digital transformation on banks'ex-ante and ex-post risk-taking.The results show that:(1)Although digi-tal transformation will increase banks'ex-ante risk-taking,it can weaken banks'ex-post risk-taking.(2)Digital transfor-mation increases banks'ex-ante risk-taking and reduces ex-post risk-taking through two channels:intensifying banks'competition and promoting the development of digital finance.(3)The improvement of bank efficiency intensifies the pro-motion effect of digital transformation on banks'ex-ante risk-taking and the inhibition effect on ex-post risk-taking.(4)The impact of digital transformation on banks'ex-ante and ex-post risk-taking is more significant in large-scale,listed and high capital adequacy ratio banks.
digital transformationbank risk-takingdigital financebank competition
NETL
NSTL
万方数据
