暨南学报(哲学社会科学版)

作者：何英, 华桂宏, 陈昌健

单位：南京师范大学商学院;陈昌健,上海财经大学公共经济与管理学院。

关键词：金融新质生产力,数字化转型,银行主动风险承担,金融强国

基金：国家社会科学基金重大项目“总体国家安全观下防范和应对外国经济制裁研究”(22&ZD180);国家社会科学基金一般项目“绿色发展理念下传统能源城市转型机制与政策研究”(19BJL033)。

面向总体国家安全观,研究如何发展金融新质生产力、推动数字化转型来提升银行主动风险承担能力。本文基于2010—2021年上市银行数据,探究银行数字化转型对主动风险承担的作用效应及影响机制。研究发现:(1)银行数字化转型是发展金融新质生产力的重要表现形式,数字化转型会强化银行主动风险承担水平,且在“新”的视角下通过扩大人力资本规模、降低经营管理成本和促进银行业有效竞争提高银行主动风险承担水平,实现“以三新(新要素、新模式、新产业)促三质(高质量、高品质、高质效)”。(2)设立金融科技子公司无法为数字化转型促进银行主动风险承担提供支持,而外源性金融科技的发展推动了银行数字化转型的主动风险承担强化效应。(3)从政府的经济调节作用分析,银行数字化转型与市场自由化之间存在着协同效应。随着金融监管强度提高,数字化转型对银行主动风险承担的影响呈现出“先提升速度,后优化结构和规模”的特征。随着科创支持力度提升,该作用效应呈现出“先优化结构和规模,后提升速度”的特征。"/>template{display:none;}.mag-rich-xref-fn { cursor: pointer;}//长视频$(document).ready(function(){if($("#showLongArticleVideo") && $("#showLongArticleVideo").length && $("#showLongArticleVideo").length>0){mag_ajax_update({ele_id:'showLongArticleVideo',url:mag_currentQikanUrl() + "/CN/article/showLongArticleVideo.do?id="+$("#articleId").val()});}});$(document).ready(function(){window.metaData = {"journal":{"issn":"1000-5072","qiKanMingCheng_CN":"暨南学报（哲学社会科学版）","id":2,"qiKanMingCheng_EN":"Jinan Journal"},"fundList_cn":["国家社会科学基金重大项目“总体国家安全观下防范和应对外国经济制裁研究”(22&ZD180);国家社会科学基金一般项目“绿色发展理念下传统能源城市转型机制与政策研究”(19BJL033)。"],"article":{"keywordList_cn":["金融新质生产力","数字化转型","银行主动风险承担","金融强国"],"juan":"47","zhaiyao_cn":"面向总体国家安全观,研究如何发展金融新质生产力、推动数字化转型来提升银行主动风险承担能力。本文基于2010—2021年上市银行数据,探究银行数字化转型对主动风险承担的作用效应及影响机制。研究发现:(1)银行数字化转型是发展金融新质生产力的重要表现形式,数字化转型会强化银行主动风险承担水平,且在“新”的视角下通过扩大人力资本规模、降低经营管理成本和促进银行业有效竞争提高银行主动风险承担水平,实现“以三新(新要素、新模式、新产业)促三质(高质量、高品质、高质效)”。(2)设立金融科技子公司无法为数字化转型促进银行主动风险承担提供支持,而外源性金融科技的发展推动了银行数字化转型的主动风险承担强化效应。(3)从政府的经济调节作用分析,银行数字化转型与市场自由化之间存在着协同效应。随着金融监管强度提高,数字化转型对银行主动风险承担的影响呈现出“先提升速度,后优化结构和规模”的特征。随着科创支持力度提升,该作用效应呈现出“先优化结构和规模,后提升速度”的特征。","endNoteUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/article/getTxtFile.do?fileType=EndNote&id=7202","reference":"","bibtexUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=BibTeX&id=7202","abstractUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/10.11778/j.jnxb.20242252","qi":"4","id":7202,"nian":2025,"bianHao":"1751353152664-1303806822","zuoZheEn_L":"HE Ying, HUA Guihong, CHEN Changjian","juanUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2025","shouCiFaBuRiQi":"2025-07-01","qiShiYe":"1","qiUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/Y2025/V47/I4","lanMu_cn":"经济学·新质生产力","pdfSize":"1091","zuoZhe_CN":"何英, 华桂宏, 陈昌健","risUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=Ris&id=7202","title_cn":"三新促三质:数字化转型赋能银行主动风险承担能力的新质生产力机制","doi":"10.11778/j.jnxb.20242252","jieShuYe":"28","keywordList_en":["financial new quality productive forces","digital transformation","banks' active risk-taking","financial powerhouse"],"endNoteUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=EndNote&id=7202","zhaiyao_en":"In the era of digital revolution, one of the profound impacts of digital technologies on the financial sector is the accelerated digital transformation of financial institutions. As a core manifestation of financial new quality productive forces, banks' digital transformation plays a pivotal role in promoting high-quality financial development. However, few studies carry out systematic theoretical exploration of developing new quality productive forces “tailored to the financial context”, and the mechanisms through which digital transformation enhances banks' proactive risk-taking capability in the framework of financial new quality productive forces remain understudied and warrant in-depth investigation.This study constructs a theoretical framework for financial new quality productive forces, dissecting its “novel” and “qualitative” attributes. It posits that financial new quality productive forces refer to productive forces centered on new production factors (e.g., data), anchored in new business models (e.g., fintech-enabled services), and oriented toward new industrial formats (e.g., digital finance ecosystems), characterized by high quality, premium performance, and efficient productivity. Using panel data from listed banks in China from 2010 to 2021, this study conducts theoretical and empirical analyses to examine whether banks' digital transformation achieves “quality improvement through novel drivers” and explores its impact mechanisms on proactive risk-taking in this framework. The findings reveal that digital transformation, an essential pathway for developing financial new quality productive forces, enhances proactive risk-taking by expanding human capital scale (new production factors), reducing operational costs (new business models), and fostering industrial competition (new industrial formats), thereby realizing the “novelty-driven quality improvement” hypothesis. Additionally, our analysis of governmental economic regulation uncovers synergistic effects between digital transformation and market liberalization. As financial regulatory intensity increases, the impact of digital transformation on proactive risk-taking evolves in a phased manner: prioritizing speed enhancement initially, followed by structural and scale optimization. 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