Does digital transformation increase bank profit efficiency? Evidence from China

被引：10
作者：
Ren, Xingzi [1 ]
Song, Ke [2 ,4 ]
Zhu, Kairan [3 ]
Yang, Xinyu [2 ]
机构：
[1] Capital Univ Econ & Business, Sch Finance, Beijing 100171, Peoples R China
[2] Renmin Univ China, Sch Finance, Beijing 100872, Peoples R China
[3] Univ Chinese Acad Sci, Sch Econ & Management SEM, Beijing, Peoples R China
[4] Int Monetary Inst, Int Monetary Inst, Beijing, Peoples R China
来源：
PACIFIC-BASIN FINANCE JOURNAL | 2024年 / 86卷
关键词：
Commercial Bank; Digital transformation; Bank profit efficiency; COST EFFICIENCY; MARKET POWER; INNOVATION; STRATEGY; INDUSTRY; IMPACT; FUTURE; WILL;
D O I：
10.1016/j.pacfin.2024.102388
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
Utilizing data from 2014 to 2020 on Chinese commercial banks, this study investigates the effects of digital transformation on bank profit efficiency. A unique digital transformation index was constructed for commercial banks using the entropy method, incorporating diverse, handcollected data sources. The results reveal a significant positive relationship between digital transformation and profit efficiency in banks. This association is primarily attributed to digital transformation's role in boosting revenue and reducing costs, consequently improving profit efficiency. These conclusions remain steadfast even after accounting for various robustness checks and potential endogeneity issues.
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页数：14
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