| 商业银行数字化转型与新质生产力提升 |
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| 引用本文：林春，葛辛荻，孙英杰.商业银行数字化转型与新质生产力提升[J].财经理论与实践,2025,(2):10-17 |
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| 中文摘要:基于2011—2021年中国30个省（区、市）面板数据，构建省级新质生产力指标，深入探究商业银行数字化转型对新质生产力的影响。研究发现，商业银行数字化转型对新质生产力发展水平具有显著提升作用，且通过技术成果市场转化和资本集聚进行有效传导。同时，该作用在商业银行数字化分维度、人才支撑、数据要素市场化及产学研合作方面表现出异质性特征，并受到法制环境与金融监管的显著调节。此外，商业银行数字化转型在跨越自身和数字普惠金融的门槛后，会对新质生产力产生更为强劲的助推效应。因此，应加快商业银行数字化转型的步伐，完善数字技术与金融市场建设，为全面促进中国式现代化背景下新质生产力的培育保驾护航。 |
| 中文关键词:商业银行 数字化转型 新质生产力 数字普惠金融 |
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| Digital Transformation of Commercial Banks and the Improvement of New Quality Productive Forces |
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| Abstract:Based on the panel data of 30 provinces (autonomous regions and cities) in China from 2011 to 2021, this paper constructs provincial-level new quality productive forces indicators, and deeply explores the impact of digital transformation of commercial banks on new quality productive forces. Studies have found that the digital transformation of commercial banks has a significant effect on the level of development of new quality productive forces, and is effectively transmitted through the market transformation of technological achievements and capital agglomeration. At the same time, this role shows heterogeneous characteristics in commercial bank digitalization subdimension, talent support, data factor marketization and industry-research cooperation, and is significantly moderated by the legal environment and financial supervision. In addition, after the digital transformation of commercial banks across the threshold of itself and digital inclusive finance, it will have a stronger booster effect on new quality productive forces. Therefore, it is necessary to accelerate the pace of digital transformation of commercial banks, improve the construction of digital technology and financial markets, and escort the cultivation of new quality productive forces in the context of Chinese-style modernization. |
| keywords:commercial banks digital transformation new quality productive forces digital financial inclusion |
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