创新还是保守？家族文化如何影响中国银行数字化转型

IF 1.9 Q2 BUSINESS, FINANCE

China Journal of Accounting Research Pub Date : 2025-03-08 DOI:10.1016/j.cjar.2025.100406

Jinxuan Zhao , Meixu Ren

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引用次数: 0

摘要

文化如何影响银行的数字化转型（BDT）尚未得到充分研究。我们发现，在中国，宗族文化抑制了BDT。宗族文化的短半径信任要求银行有更多的实体网点和员工来建立信任，其风险规避降低了银行承担风险的意愿，抑制了BDT。宗族内部的资源集中缓解了企业的融资约束，降低了企业的信贷需求；家庭通过非正式渠道寻求更多的信贷，限制了他们对银行贷款的依赖，并抑制了需求方的BDT。发展制度环境和普遍信任以及人口结构变化可以减轻这些负面影响。总体而言，我们阐明了非正式制度因素对BDT的抑制作用，丰富了家族文化与现代金融发展的研究。

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Innovative or conservative? How clan culture shapes bank digital transformation in China

How culture affects banks’ digital transformation (BDT) is understudied. We discover that clan culture inhibits BDT in China. Clan culture’s short-radius trust requires banks to have more physical branches and employees to establish trust, and its risk aversion reduces banks’ willingness to bear risks, inhibiting BDT. Resource pooling within clans attenuates the financing constraints and reduces the credit demand of enterprises; households seek more credit through informal channels, limiting their reliance on bank loans and inhibiting BDT from the demand side. Developing the institutional environment and generalized trust as well as demographic change can attenuate these negative effects. Overall, we clarify how informal institutional factors inhibit BDT, enriching research on clan culture and modern financial development.

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来源期刊

China Journal of Accounting Research BUSINESS, FINANCE-

CiteScore

4.70

自引率

0.00%

发文量

295

审稿时长

15 weeks

期刊介绍： The focus of the China Journal of Accounting Research is to publish theoretical and empirical research papers that use contemporary research methodologies to investigate issues about accounting, corporate finance, auditing and corporate governance in the Greater China region, countries related to the Belt and Road Initiative, and other emerging and developed markets. The Journal encourages the applications of economic and sociological theories to analyze and explain accounting issues within the legal and institutional framework, and to explore accounting issues under different capital markets accurately and succinctly. The published research articles of the Journal will enable scholars to extract relevant issues about accounting, corporate finance, auditing and corporate governance related to the capital markets and institutional environment.