资本监管压力、数字化转型与涉农信贷——来自我国农村商业银行的经验证据

孙继国; 周子玉

资本监管压力、数字化转型与涉农信贷——来自我国农村商业银行的经验证据

引用本文：孙继国，周子玉.资本监管压力、数字化转型与涉农信贷——来自我国农村商业银行的经验证据[J].财经理论与实践,2026,(3):2-9

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作者	单位
孙继国，周子玉	（青岛大学经济学院,山东青岛 266061）

中文摘要:基于2016—2022年间我国141家农村商业银行的面板数据，运用双向固定效应模型，考察资本监管压力对农村商业银行涉农信贷的影响。结果显示:资本监管压力会抑制农村商业银行的涉农信贷规模，农村商业银行数字化转型会在一定程度上缓解资本监管压力对涉农信贷的抑制作用，资本监管压力会通过改变农村商业银行的风险偏好进而抑制农村商业银行的涉农信贷规模。鉴于此，应鼓励农村商业银行通过多种渠道增加资本，积极推进数字化转型，并进一步优化农村商业银行差异化资本监管体系。

中文关键词:资本监管压力资本充足率数字化转型涉农信贷农村商业银行

Capital Regulatory Pressure, Digital Transformation and Agriculture-Related Credit—Empirical Evidence from China’s Rural Commercial Banks

Abstract:Based on the panel data of 141 rural commercial banks in China from 2016 to 2022, this paper uses two-way fixed effect model to examine the impact of capital regulatory pressure on rural commercial banks’ agriculture-related credit. The results show that the capital regulatory pressure will inhibit the scale of rural commercial banks’ agricultural credit, the digital transformation of rural commercial banks will alleviate the inhibitory effect of capital regulatory pressure on rural commercial banks’ agricultural credit to a certain extent, and the capital regulatory pressure will inhibit the scale of rural commercial banks’ agricultural credit by changing the risk preference of rural commercial banks. In view of this, rural commercial banks should be encouraged to increase their capital through various channels, actively promote digital transformation, and further optimize the differentiated capital supervision system of rural commercial banks.

keywords:capital regulatory pressure capital adequacy ratio digital transformation agriculture-related credit rural commercial banks

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