Research on the Impact of Digital Transformation on Business Performance of Commercial Banks
Digital transformation is an important catalyst for the gradual integration of technology and finance,and is also an inevitable trend for the iterative development of commercial banks'business operations.The digital development index of commercial banks was calculated by using text mining method.Based on the relevant financial data of 43 listed commercial banks from 2011 to 2021,the bidirectional fixed effect model and intermediary effect model were established to verify the impact of digital transformation of commercial banks on the operational performance of commercial banks.The results show that:At this stage,the digital transformation of commercial banks inhibits the improvement of business performance;The digital transformation has different effects on the operating performance of commercial banks of different types,sizes and natures.The digital transformation of commercial banks can improve the operational performance of commercial banks by optimizing the income structure.Accordingly,digital transformation should be carried out reasonably and digital business of enterprises should be updated,in order to realize digital operation of enterprises and further improve the operation performance of commercial banks.
NETL
NSTL
万方数据
