数字金融对商业银行风险承担的影响研究
Research on the Impact of Digital Finance on Commercial Banks’ Risk-Taking

近年来，随着数字技术在金融领域中迅速发展，数字金融已逐渐取代传统金融模式的主导地位，金融数字化也成为当前以及未来发展的重要方向。数字金融的发展也加快了我国商业银行数字化转型的步伐。为了研究数字金融对我国商业银行风险承担的影响，本文基于2011~2021年各省商业银行的静态平衡面板数据，以北京大学公布的数字普惠金融指数来衡量数字金融的发展水平并进行回归分析。得出结论：数字金融的发展将会促进商业银行的风险承担水平的提高。商业银行要加强风控管理，合理利用数字金融的发展，引入先进的风险管理工具和新兴技术，时刻警惕在数字金融带来机遇的同时，存在的内在风险和因投入成本大而引起的低效益风险。
In recent years, with the rapid development of digital technology in the financial field, digital finance has gradually replaced the dominant position of traditional financial models, and financial digitalization has become an important direction for current and future development. The development of digital finance has also accelerated the pace of digital transformation of China’s commercial banks. In order to study the impact of digital finance on the risk-taking of commercial banks in China, this paper uses the digital inclusive finance index published by Peking University to measure the development level of digital finance and conducts regression analysis based on the static equilibrium panel data of commercial banks in various provinces from 2011 to 2021. It is concluded that the development of digital finance will promote the improvement of the risk-taking level of commercial banks. Commercial banks should strengthen risk control management, make rational use of the development of digital finance, introduce advanced risk management tools and emerging technologies, and always be vigilant against the inherent risks and low-efficiency risks caused by large input costs while digital finance brings opportunities.