摘要
深耕数据要素市场化沃土,以释放数据要素价值助力银行数字化转型,是做好数字金融大文章,充分发挥金融供血机能的关键举措。本文基于2010—2021年284个地级市面板数据,深入探讨数据要素市场化对银行数字化转型的影响。研究结果表明,数据要素市场化有助于推动银行数字化转型,同时这种影响在城市能级、金融韧性和商业信用环境方面表现出显著的异质性特征。作用机制分析发现,资源配置效率是数据要素市场化促进银行数字化转型的作用渠道,金融科技和银行业竞争在数据要素市场化赋能银行数字化转型过程中发挥正向调节效应。经济后果检验发现,数据要素市场化对银行数字化转型的促进效果可进一步作用于实体经济的发展。研究结果为银行数字化转型的实现路径提供了理论和实践参考。
Deeply cultivating the fertile ground of data elements marketization to release the value of data elements and help banks'digital transformation,which is a key initiative to make a great article of digital finance and to fully exert the financial blood supply function.Based on the panel data of 284 prefecture-level cities from 2010 to 2021,the impact of data element marketization on the banks'digital transformation was deeply explored.The results show that data elements marketization helps to promote banks'digital transformation,while this impact exhibits significant heterogeneous characteristics in terms of city capacity,financial resilience and business credit environment.Mechanism analysis reveals that resource allocation efficiency is the channel through which data elements marketization promotes banks'digital transformation,and fintech and banking competition play a positive moderating effect in the process of data elements marketization empowering banks'digital transformation.The economic consequence test finds that the facilitating effect of data elements marketization on banks'digital transformation can further act on the development of the real economy.Theoretical and practical references are provided for the implementation path of banks'digital transformation.
作者
林春
王子绮
张雯婧
孙英杰
Lin Chun;Wang Ziqi;Zhang Wenjing;Sun Yingjie(School of Finance and Trade,Faculty of Economics,Liaoning University,Shenyang 110036,China)
出处
《技术经济》
CSSCI
北大核心
2024年第9期56-71,共16页
Journal of Technology Economics
基金
国家社会科学基金一般项目“产业政策和WTO规则兼容性研究”(19BJL089)
辽宁省社科联经济社会发展研究课题“数字经济助推辽宁省绿色低碳发展路径及对策研究”(2023lslybkt-057)。
关键词
数据要素市场化
银行数字化转型
资源配置效率
金融科技
银行业竞争
data elements marketization
banks'digital transformation
resource allocation efficiency
financial technology
banking competition
