金融科技如何影响银行零售业务数字化转型?
How Does Fintech Affect the Digital Transformation of Banks'Retail Business?
李运达 1陈宇明 1吴海龙2
作者信息
- 1. 合肥工业大学经济学院
- 2. 西安交通大学金禾经济研究中心
- 折叠
摘要
银行零售业务与金融科技高度契合,是银行业数字化转型的"主阵地".本文基于2008-2021年A股31家上市银行数据,利用熵值法从"投入-产出"视角研究了金融科技影响银行零售业务数字化转型的机制效应.研究发现,银行金融科技投入显著提升了零售业务效益、结构、产品、渠道及风控的数字化成效,其核心作用机制在于增强银行的创新能力与经营能力.布局金融科技"行胜于言"的银行,数字化转型表现更佳.零售业务基础相对较弱的银行,匹配稳健的金融科技投入是获得数字化后发优势的关键.
Abstract
Bank retail business is highly compatible with fintech and is the"main front"of bank digital transformation.Based on the data of 31 A-share listed banks from 2008 to 2021,this paper uses entropy method to study the impact of fintech on the digi-tal transformation of bank retail business from the perspective of"input-output".The study found that banks'fintech investment significantly improved the digital effectiveness of retail business efficiency,structure,products,channels and risk control,and its core mechanism was to enhance banks'innovation ability and management ability.Banks with fintech"actions speak louder than words"perform better in digital transformation.For banks with relatively weak business foundation,maintaining sound fintech in-vestment is the key to gaining digital latecomer advantage.
关键词
金融科技/数字化转型/银行零售业务/熵值法Key words
Fintech/Digital transformation/Commercial bank retail business/Entropy method引用本文复制引用
出版年
2024
NETL
NSTL
万方数据