人工智能能帮助银行提升城市创业能力吗？

IF 7.4 2区经济学 Q1 BUSINESS, FINANCE

Finance Research Letters Pub Date : 2025-06-06 DOI:10.1016/j.frl.2025.107721

Daoping Wang , Yaxi Liang , Xinyan Shen

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引用次数: 0

摘要

本研究探讨了基于银行的人工智能（AI）如何通过提高信贷可获得性来促进城市级创业。利用银行年报和分行分布数据中的人工智能相关关键词，我们开发了一个市级银行人工智能指数。实证结果表明，银行采用人工智能与创业之间存在正相关关系，尤其是在中国北方、大城市以及人力资本雄厚、产业结构先进、人均国内生产总值高、政府干预力度大的城市。鲁棒性和内生性检验证实了这种关系。机制分析进一步揭示，人工智能驱动的银行信贷扩张促进了城市创业活动。

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Can artificial intelligence assist banks in improving city entrepreneurship?

This study explores how bank-based artificial intelligence (AI) promotes city-level entrepreneurship through enhanced credit availability. Using AI-related keywords from bank annual reports and branch distribution data, we develop a city-level bank AI index. Empirical results indicate a positive association between bank AI adoption and entrepreneurship, especially in northern China, large cities, and cities characterized by strong human capital, advanced industrial structures, high gross domestic product per capita, and substantial government intervention. Robustness and endogeneity tests confirm this relationship. Mechanism analysis further reveals that AI-driven credit expansion by banks facilitates city entrepreneurial activity.

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来源期刊

Finance Research Letters BUSINESS, FINANCE-

CiteScore

11.10

自引率

14.40%

发文量

863

期刊介绍： Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies. Papers are invited in the following areas: Actuarial studies Alternative investments Asset Pricing Bankruptcy and liquidation Banks and other Depository Institutions Behavioral and experimental finance Bibliometric and Scientometric studies of finance Capital budgeting and corporate investment Capital markets and accounting Capital structure and payout policy Commodities Contagion, crises and interdependence Corporate governance Credit and fixed income markets and instruments Derivatives Emerging markets Energy Finance and Energy Markets Financial Econometrics Financial History Financial intermediation and money markets Financial markets and marketplaces Financial Mathematics and Econophysics Financial Regulation and Law Forecasting Frontier market studies International Finance Market efficiency, event studies Mergers, acquisitions and the market for corporate control Micro Finance Institutions Microstructure Non-bank Financial Institutions Personal Finance Portfolio choice and investing Real estate finance and investing Risk SME, Family and Entrepreneurial Finance