Can digital transformation of commercial banks reduce green credit risks?

IF 9.8 1区经济学 Q1 BUSINESS, FINANCE International Review of Financial Analysis Pub Date : 2025-03-01 Epub Date: 2025-01-19 DOI:10.1016/j.irfa.2025.103934

Yujin Zhang , Shujun Ye , Jie Liu , Lulu Zhang , Jiayi Li

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Abstract

This paper empirically examines the impact of commercial banks' digital transformation on green credit risk using a sample of 120 commercial banks in China from 2013 to 2021. The study reveals that the digital transformation of commercial banks can mitigate green credit risks, with strategic digitalization, business digitalization, and management digitalization all contributing positively to this effect. Among these dimensions, management digitalization plays the most significant role. The digital transformation of commercial banks can enhance digital risk control capabilities, thereby reducing green credit risk through improved risk oversight. Digital transformation can decrease information asymmetry within banks, thereby lowering green credit risk. The more adequate the talent reserve, the stronger the role of commercial banks' digital transformation in mitigating green credit risk. National commercial banks, compared to regional ones, play a more significant role in reducing green credit risk through digital initiatives.

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商业银行数字化转型能否降低绿色信贷风险？

本文以2013 - 2021年中国120家商业银行为样本，实证检验了商业银行数字化转型对绿色信贷风险的影响。研究发现，商业银行数字化转型可以缓解绿色信贷风险，战略数字化、业务数字化和管理数字化都对这一效果有积极作用。在这些维度中，管理数字化扮演着最重要的角色。商业银行的数字化转型可以增强数字化风控能力，通过完善风险监管，降低绿色信贷风险。数字化转型可以减少银行内部的信息不对称，从而降低绿色信贷风险。人才储备越充足，商业银行数字化转型对缓解绿色信贷风险的作用就越强。与区域性商业银行相比，全国性商业银行在通过数字化举措降低绿色信贷风险方面发挥着更重要的作用。

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来源期刊

International Review of Financial Analysis BUSINESS, FINANCE-

CiteScore

10.30

自引率

9.80%

发文量

366

期刊介绍： The International Review of Financial Analysis (IRFA) is an impartial refereed journal designed to serve as a platform for high-quality financial research. It welcomes a diverse range of financial research topics and maintains an unbiased selection process. While not limited to U.S.-centric subjects, IRFA, as its title suggests, is open to valuable research contributions from around the world.