The sample of 112 small and medium-sized banks from 2011 to 2021 is matched with"bank-province",and empirical tests are conducted based on analyzing the mechanism of digital transformation of small and medium-sized banks affecting regional economic growth.The results show that the digital transformation of small and medium-sized banks has a positive effect on regional economic growth,and the attributes of banks,their size and whether they are listed or not affect their effectiveness in promoting regional economic growth.The digital transformation of small and medium-sized banks will further enhance regional economic growth by improving the competitiveness of banks and the degree of digital financial inclusion in the region.In addition,the digital talent pool in the region also moderates the influence process,but there are regional differences in the moderating effect.In view of this,the digital transformation of small and medium-sized banks should take the promotion of regional economic growth as an important goal,and at the same time focus the transformation on the enhancement of bank competitiveness and regional digital financial inclusion,and each region should also actively promote the orderly flow and cultivation of digital talents.
关键词
数字化转型/中小银行/区域经济增长/数字经济
Key words
digital transformation/small and medium-sized banks/regional economic growth/digital economy
维普
万方数据