银行数字化转型对企业债务配置效率的影响
The Impact of Bank Digital Transformation on Corporate Debt Allocation Efficiency
欧阳志刚 1陈奕景 2王博君2
作者信息
- 1. 中南财经政法大学金融学院 武汉,430073;华东交通大学经济管理学院
- 2. 中南财经政法大学金融学院 武汉,430073
- 折叠
摘要
本文创新性地构建企业债务配置效率测度指标,并利用2013-2021年上市公司向银行贷款信息检验了银行数字化转型对企业债务配置效率的影响.研究发现,银行数字化转型显著提升了企业债务配置效率,这主要通过提高银行信息获取和分析能力及加快企业资本结构调整而实现.银行数字化转型使得银行增加了债务配置不足企业的贷款数额和期限,且对债务配置过度企业实行更高利率,从而优化债务配置.银行数字化转型对债务配置效率的提升作用在地方性银行和国有企业中更显著.银行数字化转型通过优化债务配置最终提升了企业生产率并促进了核心技术创新.
Abstract
This paper constructs a measure index of corporate debt allocation efficiency,and examines the impact of bank digital transformation on corporate debt allocation efficiency by using the information of listed companies'loans from banks between 2013 and 2021.The study finds that bank digital transformation has significantly improved corporate debt allocation efficiency,which is achieved by improving the ability of banks to obtain and analyze information and accelerat-ing the adjustment of corporate capital structure.Digital transformation has led banks to increase the amount and maturity of loans for companies with insufficient debt allocation,and to implement higher interest rates for companies with excessive debt allocation,thereby optimizing debt allocation.The effect of digital transformation on corporate debt allocation efficien-cy is more significant in local banks and state-owned companies.Bank digital transformation ultimately improves corporate productivity and promotes core technological innovation by optimizing debt allocation.
关键词
银行数字化转型/企业债务配置/信息不对称/新质生产力Key words
bank digital transformation/corporate debt allocation/information asymmetry/new quality productive forces引用本文复制引用
出版年
2024
NETL
NSTL
万方数据