商业银行数字化转型是数字时代的重要趋势和必然选择,在很大程度上影响国民经济的数字化转型升级。本文选取2013~2021年在中小板及创业板上市的中小企业与其所贷银行的数字化转型指数进行年度匹配,考察商业银行数字化转型对中小企业持...商业银行数字化转型是数字时代的重要趋势和必然选择,在很大程度上影响国民经济的数字化转型升级。本文选取2013~2021年在中小板及创业板上市的中小企业与其所贷银行的数字化转型指数进行年度匹配,考察商业银行数字化转型对中小企业持续性创新的影响及作用机制。研究发现,商业银行数字化转型能够通过缓解中小企业的融资约束,显著地驱动中小企业持续性创新。进一步分析表明,商业银行数字化转型对中小企业持续性创新的促进作用会对于技术密集型企业以及银行竞争程度更高地区的企业更为显著。The digital transformation of commercial banks is an important trend and inevitable choice in the digital era, which greatly affects the digital transformation and upgrading of the national economy. This paper selects SMEs listed on the SME Board and ChiNext Board from 2013 to 2021 to match the digital transformation index of the banks they lend to annually and examines the impact and mechanism of digital transformation of commercial banks on the sustainable innovation of SMEs. The study finds that the digital transformation of commercial banks can significantly drive the continuous innovation of SMEs by alleviating the financing constraints of SMEs. Further analysis shows that the digital transformation of commercial banks will promote the continuous innovation of SMEs more significantly than that of technology-intensive enterprises and enterprises in regions with higher bank competition.展开更多
文摘商业银行数字化转型是数字时代的重要趋势和必然选择,在很大程度上影响国民经济的数字化转型升级。本文选取2013~2021年在中小板及创业板上市的中小企业与其所贷银行的数字化转型指数进行年度匹配,考察商业银行数字化转型对中小企业持续性创新的影响及作用机制。研究发现,商业银行数字化转型能够通过缓解中小企业的融资约束,显著地驱动中小企业持续性创新。进一步分析表明,商业银行数字化转型对中小企业持续性创新的促进作用会对于技术密集型企业以及银行竞争程度更高地区的企业更为显著。The digital transformation of commercial banks is an important trend and inevitable choice in the digital era, which greatly affects the digital transformation and upgrading of the national economy. This paper selects SMEs listed on the SME Board and ChiNext Board from 2013 to 2021 to match the digital transformation index of the banks they lend to annually and examines the impact and mechanism of digital transformation of commercial banks on the sustainable innovation of SMEs. The study finds that the digital transformation of commercial banks can significantly drive the continuous innovation of SMEs by alleviating the financing constraints of SMEs. Further analysis shows that the digital transformation of commercial banks will promote the continuous innovation of SMEs more significantly than that of technology-intensive enterprises and enterprises in regions with higher bank competition.
