Abstract:

This paper based on panel data from 38 commercial banks from 2013 to 2022, empirically analyzes the impact of digital transformation of Chinese commercial banks on bank stability, and further clarifies the relationship between digital transformation and stability of commercial banks under the impact of revenue diversification. The research has found that digital transformation of commercial banks is beneficial for improving banking operational stability, the mechanism test shows that this promoting effect is achieved primarily by lowering management costs, enhancing banks' competitiveness and improving operational efficiency. The heterogeneity analysis reveals that this promoting effect is even more pronounced among city commercial banks, banks in the central and western regions, and those with lower staffing redundancy. In addition, revenue diversification can weaken the positive impact of digital transformation on banking operational stability. In the future, we should actively promote the digital transformation of the banking industry, increase investment in digital resources, explore differentiated transformation paths, and pay attention to the differentiated impact of diversified revenue transformation, providing a solid foundation for financial stability and high-quality economic development.

Key words: commercial banks, revenue diversification, digital transformation, banking operational stability

摘要：

文章基于2013—2024年我国38家商业银行的面板数据，实证分析商业银行数字化转型对经营稳定性的影响，并深入剖析在收入多元化转型的冲击下，商业银行数字化转型与经营稳定性之间关系的变化。研究发现：商业银行数字化转型可促进银行经营稳定性提升；机制分析表明，这种促进作用主要通过降低管理成本、提高银行竞争力和经营效率来实现；异质性分析表明，在城市商业银行、中西部地区的银行和冗员程度较低的银行中，这种促进作用更加显著；此外，收入多元化转型会抑制数字化转型对银行经营稳定性提升的促进作用。今后应积极推动银行业数字化转型，加大数字化资源投入，探索差异化转型路径，同时注重收入多元化转型的差异化影响，为金融稳定与经济高质量发展提供坚实保障。

关键词: 商业银行, 收入多元化转型, 数字化转型, 银行经营稳定性