%0 Journal Article
%T 数字化转型对我国商业银行盈利能力影响
The Impact of Digital Transformation on the Profitability of China’s Commercial Banks
%A 曹雅婷
%J Finance
%P 575-583
%@ 2161-0975
%D 2025
%I Hans Publishing
%R 10.12677/fin.2025.153060
%X 科技进步尤其是数字技术的发展，为金融行业的高质量发展注入了新活力，商业银行的数字化转型已成为必然趋势。目前，银行界普遍将数字化转型视为增长的新动力，致力于推动业务、产品、服务等方面的数字化升级，以培育新的增长点。本研究量化分析了商业银行数字化转型的程度，并深入探讨了其对银行盈利能力的影响，旨在扩展理论视野，为银行的未来发展提供理论支持，并在金融业数字化进程中起到引领作用，同时为银行提升盈利能力指明方向。
Technological progress, especially the development of digital technology, has injected new vitality into the high-quality development of the financial industry, and the digital transformation of commercial banks has become an inevitable trend. Currently, the banking sector generally regards digital transformation as a new driving force for growth, and is committed to promoting digital upgrading of business, products and services in order to cultivate new growth points. This study quantitatively analyzes the extent of commercial banks’ digital transformation and deeply explores its impact on banks’ profitability, aiming to expand the theoretical horizon, provide theoretical support for the future development of banks and play a leading role in the digitalization process of the financial industry, as well as pointing out the direction for banks to enhance their profitability.
%K 商业银行，
%K 数字化转型，
%K 盈利能力，
%K 双向固定效应模型
Commercial Banks
%K Digital Transformation
%K Profitability
%K Two-Way Fixed Effects Model
%U http://www.hanspub.org/journal/PaperInformation.aspx?PaperID=114512