商业银行数字化转型、收入多元化转型与经营稳定性

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中图分类号：F832.33；F49 文献标志码：A 文章编号：1007-8576（2025）04-0037-10

DOI：10.16716/j.cnki.65-1030/f.2025.04.004

Commercial Banks'Revenue Diversification、Digital Transformation and Operational Stability

PAN Chao， ZHANG Bo （Qufu Normal University，Rizhao276826，China）

Abstract：This paperbasedonpaneldatafrom38commercialbanksfrom2013 to2O22，empiricallanalyzestheimpactofdigitaltransformationofChinesecommercialbanksonbankstability，andfurtherclarifies therelationshipbetweendigitaltansfor mationand stabilityofcommercialbanksundertheimpactofrevenue diversification.Theresearchhasfoundthatdigitaltransformationofcommercialbanksisbeneficialforimprovingbankingoperationalstability，themechanismtestshowsthathispro motingeffectisachieved primarilybyloweringmanagementcosts，enhancingbanks'compeivenessandimprovingoperational eficiency.Theheterogeneityanalysisrevealsthatthispromoting efectisevenmorepronouncedamongcitycommercial banks，banksinthecentralandwesternregions，andthosewithlowerstaingredundancy.Inaddition，revenuediversification canweakenthepositiveimpactofdigitaltransformationonbankingoperationalstability.Inthefuture，weshouldactivelypro motethedigitaltrasfomatioofteankingidustrynceaseinvestmentidigitalesources，exploredirentiatedtraso mationpaths，andpayatentiontothediferentiatedimpactofdiversifiedrevenue transformation，providingasolidfoundation for financial stability and high-quality economic development.

Key Words：commercial banks;revenuediversification;digital transformation;banking operational stability

党的二十大报告将防范金融风险和健全金融安全治理体系提到了新的高度，明确提出要深化金融体制改革，建设现代中央银行制度，加强和完善现代金融监管，强化金融稳定保障。（剩余12592字）