Research on the Theoretical Logic,Formation Mechanisms and Improvement Paths of Digital Resilience of Chinese Commercial Banks
Based on the panel data of 179 commercial banks in China from 2011 to 2021,this paper systematically ex-plains the theoretical logic,formation mechanisms and improvement paths of digital resilience of banks.The results show that:first,digital resilience of banks refers to the ability of banks to use digital technology to prevent shocks,adapt to shocks,and achieve updated stable state after shocks.Its logic can be traced back to digital capabilities,crisis management,and financial se-curity theories.Second,the formation of digital resilience of banks lies in the enabling role of digital technologies during shocks.From the perspective of enabling effects,digital technology can help mitigate the increase in bank risks caused by shocks and en-hance the resilience of banks.From the perspective of enabling mechanisms,digital technology enhances the resilience of banks by reducing the adverse impacts of shocks on their business scale,business costs,and business linkages.From the perspective of heterogeneous characteristics,the resilience enabling effect of digital technology is more effective in responding to financial cri-ses,trade frictions,and health emergencies,and is more significant in small-scale,non-state-owned,and high-risk banks.Third,the improvement of digital resilience of banks depends on the guarantee of technical talents,infrastructure,and regulatory environment.Compared to banks in areas with insufficient talent supply,slow construction of new infrastructure,and insufficient digital supervision,banks in areas with sufficient talent supply,fast construction of new infrastructure,and good digital supervi-sion environment can form digital resilience more effectively.
万方数据
维普
