西安石油大学学报（社会科学版）

基于2010—2021年123家商业银行数据，利用北京大学编制的商业银行数字化转型指数，实证检验了数字化转型对商业银行全要素生产率的影响。结果表明：商业银行数字化转型能够显著提升商业银行的全要素生产率，且在采取GMM模型回归等稳健性检验后该结论保持不变。机制分析表明，数字化转型可以通过推动技术进步、降低商业银行不良贷款率及营业成本从而提升银行全要素生产率。异质性分析表明，数字化转型对于股份制银行、城市商业银行以及创新能力强的银行在全要素生产率提升效果上更为显著。

Based on the data of 123 commercial banks from 2010 to 2021,this paper empirically tested the impact of digital transformation on the total factor productivity of commercial banks by using the digital transformation index of commercial banks of Peking University.The results show that the digital transformation of commercial banks can significantly improve the total factor productivity of commercial banks, and the conclusions remain unchanged after robustness tests such as GMM model regression.Mechanism analysis shows that digital transformation can promote the total factor productivity of commercial banks by promoting technological progress, reducing the non-performing loan rate and operating costs.Heterogeneity analysis shows that digital transformation has a more significant effect on the improvement of total factor productivity of joint-stock banks, urban commercial banks and banks with strong innovation ability.