Proceedings of the 2024 3rd International Conference on Artificial Intelligence, Internet and Digital Economy (ICAID 2024)

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A Study of the Impact of Digital Transformation on the Risk Level of Commercial Banks

Authors
Xingyu Wang1, Mengjie Qi1, *
1Henan University Business School, Henan, China
*Corresponding author. Email: qmj202211@163.com
Corresponding Author
Mengjie Qi
Available Online 31 August 2024.
DOI
10.2991/978-94-6463-490-7_29How to use a DOI?
Keywords
Commercial banks; Digital transformation; Risk level; Information-seeking ability; Profitability
Abstract

Preventing and mitigating commercial bank risks is an important part of promoting the high-quality development of the financial industry. Whether and how the digital transformation of banks mitigates their risk level has important research value. This paper takes the sample of commercial banks from 2011 to 2021 to study the impact of digital transformation on the risk level of commercial banks and the mechanism of its role. The results of the study show that, first, digital transformation can significantly reduce the risk level of commercial banks. Second, the mechanism test results show that the above effects are mainly realized through the two paths of improving information-seeking ability and profitability. Third, the heterogeneity study finds that the inhibitory effect of digital transformation on bank risk levels is stronger among large banks, state-owned banks, and rural commercial banks. The findings of this paper are conducive to promoting the digital transformation of commercial banks, which in turn improves their risk management capabilities.

Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2024 3rd International Conference on Artificial Intelligence, Internet and Digital Economy (ICAID 2024)
Series
Atlantis Highlights in Intelligent Systems
Publication Date
31 August 2024
ISBN
978-94-6463-490-7
ISSN
2589-4919
DOI
10.2991/978-94-6463-490-7_29How to use a DOI?
Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Xingyu Wang
AU  - Mengjie Qi
PY  - 2024
DA  - 2024/08/31
TI  - A Study of the Impact of Digital Transformation on the Risk Level of Commercial Banks
BT  - Proceedings of the 2024 3rd International Conference on Artificial Intelligence, Internet and Digital Economy (ICAID 2024)
PB  - Atlantis Press
SP  - 267
EP  - 282
SN  - 2589-4919
UR  - https://doi.org/10.2991/978-94-6463-490-7_29
DO  - 10.2991/978-94-6463-490-7_29
ID  - Wang2024
ER  -