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has been cited by the following article:

• TITLE: Research on Risk Taking Mechanisms of Chinese Commercial Banks from the Perspective of Digital Transformation

  AUTHORS: Rui Li, Hongmei Zhang

  KEYWORDS: Digital Transformation, Risk Taking, Chinese Commercial Banks, Mediating Effect

  JOURNAL NAME: Theoretical Economics Letters, Vol.14 No.3, April 30, 2024

  ABSTRACT: Based on the possible impact model of individual digital transformation of Chinese commercial banks on their risk taking, this paper discusses how digital transformation can reduce the risk taking of Chinese commercial banks, and makes an empirical analysis based on the relevant data of Chinese commercial banks from 2010 to 2021. It is found that the development of digital transformation in Chinese commercial banks reduces the level of banks’ risk taking by reducing the management cost and improving the operational efficiency. Heterogeneity analysis shows that digital transformation has a certain difference in the impact on the risk taking of commercial banks of different sizes, and the reduction effect on the risk taking of smaller banks is more obvious. Finally, based on the realistic background, the research results and related analysis, the paper puts forward relevant suggestions for the digital transformation development of Chinese commercial banks.