A Study of the Impact of Digital Transformation on the Stability of Banks

Dan Shi () and Hong Rao ()
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Dan Shi: Wuhan University of Technology, School of Economics
Hong Rao: Wuhan University of Technology, School of Economics

A chapter in Proceedings of the 9th International Conference on Financial Innovation and Economic Development (ICFIED 2024), 2024, pp 46-52 from Springer

Abstract: Abstract This paper aims to quantify the level of digital transformation of commercial banks by big data mining and employ a multiple linear regression statistical model to verify the correlation between digital transformation and the stability of banks. By analyzing the unbalanced panel data of 42 Chinese listed commercial banks from 2013 to 2021, we found that the digital transformation of commercial banks can improve the stability of banks significantly, and this conclusion remains valid after considering potential endogenous problems. Capital regulation can enhance the impact of digital transformation on commercial bank stability.

Keywords: Digital Transformation; Commercial Bank; Stability (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-408-2_6

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DOI: 10.2991/978-94-6463-408-2_6

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