摘要
基于2015—2021年120家农村商业银行的数据,采取Python爬虫技术挖掘银行年度报告中数字化相关信息文本,测度银行个体层面的数字化转型程度,并实证分析数字化转型对农村商业银行经营绩效的影响机制与效果。结果表明:农商行的数字化转型程度具有总体持续增长和个体间差异明显的特征。数字化转型可通过提高运营效率的“增效”机制实现经营绩效提升的“赋能”效果,但是降低经营成本的“节流”机制不成立。从数字化转型维度而言,数字化转型认知、数字化业务开展和数字化组织变革均有助于实现“赋能”作用。资产规模大、股权结构集中以及与科技公司进行合作的农商行通过数字化转型获取的“赋能”效果更明显。
Based on data from 120 rural commercial banks from 2015 to 2021,this paper adopts Python crawler technology to mine digital information texts in bank annual reports to construct a digital transformation index and empirically analyzes the impact mechanism and effect of digital transformation on the operating performance of rural commercial banks.The results indicate that the degree of digital transformation of rural commercial banks has the characteristics of overall sustained growth and significant individual differences.Digital transformation can improve operating performance through increasing efficiency while not reducing costs.In addition,digital transformation cognition,digital business development and digital organizational change all contribute to achieving the“empowerment”effect.Rural commercial banks,with large asset sizes,concentrated ownership structures and cooperation with technology companies,have achieved more significant“empowerment”effects through digital transformation.
作者
何广文
李通通
陈晓洁
HE Guangwen;LI Tongtong;CHEN Xiaojie(College of Economics and Management,China Agricultural University,Beijing 100083,China;Anhui Branch,China Development Bank,Hefei 230071,Anhui,China)
出处
《北京联合大学学报（人文社会科学版）》
CSSCI
北大核心
2023年第6期83-96,共14页
Journal of Beijing Union University(Humanities and Social Sciences)
基金
国家自然科学基金面上项目“股权和控制权的非对称配置对农村商业银行风险的影响及政策选择”(项目编号:72173121)
国家留学基金委“国家建设高水平大学公派研究生项目”(项目编号:202206350104)。
关键词
数字化转型
农村商业银行
经营绩效
文本挖掘法
digital transformation
rural commercial banks
performance
text mining method
