Abstract
Based on the annual financial data of 42 listed Chinese commercial banks from 2013 to 2022, applying the benchmark regression analysis method, this paper studies the impact of digital transformation on Chinese commercial banks’ risk-taking level. The results show that the digital transformation degree is positively correlated with the commercial banks’ risk-taking level. Different types, sizes and natures of commercial banks’ risk-taking levels that are affected by digital transformation, with large state-owned banks and joint-stock banks being more flexible. Accelerating the digital transformation of commercial banks can help them reduce the probability of commercial bank risks and enhance their risk-taking capabilities.
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