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- Title
数据要素市场化赋能银行数字化转型了吗? ———来自中国城市层面的经验证据.
- Authors
林 春; 王子绮; 张雯婧; 孙英杰
- Abstract
Deeply cultivating the fertile ground of data elements marketization to release the value of data elements and help banks' digital transformation, which is a key initiative to make a great article of digital finance and to fully exert the financial blood supply function. Based on the panel data of 284 prefecture-level cities from 2010 to 2021, the impact of data element marketization on the banks' digital transformation was deeply explored. The results show that data elements marketization helps to promote banks' digital transformation, while this impact exhibits significant heterogeneous characteristics in terms of city capacity, financial resilience and business credit environment. Mechanism analysis reveals that resource allocation efficiency is the channel through which data elements marketization promotes banks' digital transformation, and fintech and banking competition play a positive moderating effect in the process of data elements marketization empowering banks' digital transformation. The economic consequence test finds that the facilitating effect of data elements marketization on banks' digital transformation can further act on the development of the real economy. Theoretical and practical references are provided for the implementation path of banks' digital transformation.
- Subjects
DIGITAL transformation; REAL economy; BANKING industry; HIGH technology industries; ONLINE banking
- Publication
Journal of Technology Economics, 2024, Vol 43, Issue 9, p56
- ISSN
1002-980X
- Publication type
Academic Journal
- DOI
10.12404/j.issn.1002-980X.J24052305