银行数字化转型与城市经济韧性提升

Banks' Digital Transformation and Economic Resilience of Cities Improvement

摘要:

推进银行数字化转型战略是数字经济时代下提升城市经济韧性的关键着力点。基于此,对银行数字化转型如何影响城市经济韧性展开研究。结果表明,银行数字化转型对城市经济韧性具有显著的提升作用,并且主要通过抑制“ 脱实向虚” 、激发城市经济活力和拉动城市消费水平的作用渠道予以实现。异质性分析表明,业务数字化和管理数字化对城市经济韧性的促进效果更加明显,城市综合实力较强、金融监管较宽松及宏观金融杠杆波动较小城市的经济韧性受银行数字化转型的影响更大。研究揭示了银行数字化转型作用于城市经济韧性的内在逻辑,为金融支持经济体系平稳运行、提升城市经济韧性提 供了有益启示。

Abstract:

Promoting banks' digital transformation strategies is a key focus point for enhancing the economic resilience of cities in the era of digital economy. Based on this, how banks' digital transformation affects the economic resilience of cities was explored. The results show that the banks' digital transformation has a significant effect on the economic resilience of cities, which is mainly realized through the channels of inhibiting economic development from reality to virtuality, stimulating urban economic vitality and boosting urban consumption. Heterogeneity analysis shows that business digitization and management digitization have a more obvious effect on the economic resilience of cities, and the positive impact of banks' digital transformation on the economic resilience of cities in areas with stronger overall urban strength, looser financial regulation, and less volatility in macrofinancial leverage is even greater. It reveals the internal logic of banks' digital transformation role in the economic resilience of cities, which provides useful insights for financial support for the smooth operation of the economic system and enhancement of the economic resilience of cities.