Based on the data of 123 commercial banks from 2010 to 2021,this paper empirically tested the impact of digital transformation on the total factor productivity of commercial banks by using the digital transformation index of commercial banks of Peking University.The results show that the digital transformation of commercial banks can significantly improve the total factor productivity of commercial banks,and the con-clusions remain unchanged after robustness tests such as GMM model regression.Mechanism analysis shows that digital transformation can promote the total factor productivity of commercial banks by promoting techno-logical progress,reducing the non-performing loan rate and operating costs.Heterogeneity analysis shows that digital transformation has a more significant effect on the improvement of total factor productivity of joint-stock banks,urban commercial banks and banks with strong innovation ability.
关键词
数字化转型/全要素生产率/DEA-Malmquist模型
Key words
digital transformation/total factor productivity/DEA-Malmquist model
维普
万方数据