Does Digital Transformation Drive the Adjustment of Bank Loan Structure? Evidence From China

IF 2.3 4区经济学 Q2 BUSINESS, FINANCE

International Review of Finance Pub Date : 2026-10-04 DOI:10.1111/irfi.70104

Chuang Shen, Yajin Zhang, Junyi Wu, Qian Chen

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Abstract

This article examines the impact of digital transformation on bank loan structure. We employ text mining and the entropy weight method to measure the five-dimensional digital transformation index of banks and conduct an empirical analysis based on the panel data of 132 commercial banks in China from 2013 to 2022. The results indicate that digital transformation significantly drives the adjustment of various types of bank loan structures, increasing the proportion of unsecured loans, personal loans, medium- and long-term loans, manufacturing loans, and green loans. In terms of the impact mechanism, improving information screening capability and enhancing risk control capability are two key channels through which digital transformation exerts its impact. Furthermore, the heterogeneity analysis reveals that the impact of digital transformation on loan structures varies among banks with different asset size, profitability, and management efficiency. Finally, we propose targeted suggestions for commercial banks and regulatory authorities.

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数字化转型驱动银行贷款结构调整吗？来自中国的证据

本文探讨了数字化转型对银行贷款结构的影响。本文基于2013 - 2022年中国132家商业银行的面板数据，采用文本挖掘和熵权法测度银行的五维数字化转型指标，并进行实证分析。结果表明，数字化转型显著推动了各类银行贷款结构的调整，无抵押贷款、个人贷款、中长期贷款、制造业贷款和绿色贷款的比例均有所上升。在影响机制上，提高信息筛选能力和增强风险控制能力是数字化转型产生影响的两个关键渠道。此外，异质性分析表明，数字化转型对贷款结构的影响在不同资产规模、盈利能力和管理效率的银行之间存在差异。最后，对商业银行和监管部门提出针对性的建议。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

International Review of Finance BUSINESS, FINANCE-

CiteScore

3.30

自引率

5.90%

发文量

期刊介绍： The International Review of Finance (IRF) publishes high-quality research on all aspects of financial economics, including traditional areas such as asset pricing, corporate finance, market microstructure, financial intermediation and regulation, financial econometrics, financial engineering and risk management, as well as new areas such as markets and institutions of emerging market economies, especially those in the Asia-Pacific region. In addition, the Letters Section in IRF is a premium outlet of letter-length research in all fields of finance. The length of the articles in the Letters Section is limited to a maximum of eight journal pages.