城商行数字化转型成效研究
Research on the Effectiveness of Digital Transformation in City Commercial Banks

金融科技的发展催生出新的竞争主体，加剧了银行类金融机构的竞争。城商行作为国内商业银行的重要梯队，实施数字化转型已成为其当前和未来较长时期内破局求变的主要应对，并对经营活动带来了全新挑战与机遇。研究以2011~2021年国内城商行为样本，采用工具变量法分析数字化转型对银行盈利能力的影响，结果显示：数字化转型对城商行的盈利能力产生正向影响，且在不同的资产规模水平下产生异质性影响。据此研究从明晰自身发展水平、强化数字顶层设计、构建数字客户旅程等方面提出城商行数字化转型建议。
The development of financial technology has given rise to new competitive entities, intensifying the competition among banking financial institutions. As an important tier of domestic commercial banks, city commercial banks have adopted digital transformation as their primary strategy to break through and seek changes in the present and for a significant period in the future. This transformation brings both new challenges and opportunities to their operations. This study examines the impact of digital transformation on the profitability of banks, using the sample of domestic urban business behavior in 2011~2021 and employing the instrumental variable method. The results indicate that digital transformation positively affects the profitability of city commercial banks, with varying impacts depending on the level of asset scale. Based on these findings, the study proposes recommendations for the digital transformation of city commercial banks, including clarifying their own development levels, strengthening digital top-level design, and building digital customer journeys.