Research on the Impact of Digital Finance on Customer Relationship Stability

在数字金融深度渗透与市场竞争加剧的背景下，维持客户稳定度成为企业筑牢竞争壁垒与实现可持续盈利的重要驱动力。本文基于2014~2023年沪深A股上市公司的数据，实证检验数字金融对客户关系稳定度的影响。研究结果显示，数字金融发展程度对提升客户关系稳定度具有显著正向作用，而且数字金融通过增强信息披露质量，提高企业的信息透明度的途径来增强客户信任，维持与客户的稳定关系。本文研究结论丰富了数字金融的相关理论研究，并为企业维持客户关系稳定度，增强客户粘性提供了有效借鉴和经验参考，为企业在数字经济时代提升市场竞争力提出启示与建议。Against the backdrop of deep penetration of digital finance and intensified market competition, maintaining customer stability has become an important driving force for enterprises to build competitive barriers and achieve sustainable profits. The article is based on data from A-share listed companies in Shanghai and Shenzhen from 2014 to 2023, and empirically studies the impact of digital finance on customer relationship stability. The research results show that the development level of digital finance has a significant positive effect on improving customer relationship stability, and digital finance enhances customer trust and maintains stable relationships with customers by improving the quality of information disclosure and enhancing the transparency of enterprise information. The research conclusion of the article enriches the relevant theoretical research of digital finance, and provides useful reference and experience for enterprises to maintain customer relationship stability and enhance customer stickiness. It also provides inspiration and suggestions for enterprises to enhance market competitiveness in the digital economy era.