Research on the Impact of Digital Economy on Commercial Banks’ Profitability

本文基于2011~2022年126家商业银行数据为样本，通过构建数字经济指标，深入探讨了数字经济对商业银行盈利能力的影响机制。实证结果表明数字经济对商业银行盈利能力有显著正向影响，能够提高商业银行的盈利能力；通过机制分析发现，数字经济可以通过降低运营成本来提高商业银行的盈利能力，以及政府财政支持在数字经济对商业银行盈利能力的影响中起正向调节作用。在异质性研究方面，本文还探讨了银行规模、地区分布以及资本充足率对数字经济影响商业银行盈利能力的差异性影响。本文的研究有助于商业银行更好地把握数字经济发展机遇，优化经营策略，促进自身盈利能力的提升。This article uses the data of 127 commercial banks from 2011 to 2022 as a sample, and by constructing digital economy indicators, it deeply explores the impact mechanism of the digital economy on the profitability of commercial banks. Empirical results show that the digital economy has a significant positive impact on the profitability of commercial banks and can improve the profitability of commercial banks; through mechanism analysis, it is found that the digital economy can improve the profitability of commercial banks by reducing operating costs, and government financial support plays a positive regulatory role in the impact of the digital economy on the profitability of industrial banks. In terms of heterogeneity research, this article also explores the differential impact of bank size, regional distribution and capital adequacy ratio on the profitability of commercial banks affected by the digital economy. The research in this article will help commercial banks better grasp the development opportunities of the digital economy, optimize business strategies, and promote the improvement of their own profitability.