Research on the Impact of Digital Transformation on the Business Performance of Commercial Banks

Abstract

Nowadays, with the development of the digital economy, commercial banks are actively conducting digital transformation. Studying the impact of the digital transformation of commercial banks on their operating performance can help commercial banks form a stronger core competitiveness and promote high-quality financial development. Based on the above background, this article first describes the status and development of digital transformation and development of commercial banks, and secondly analyzes whether Chinese commercial banks’ digital transformation is conducive to improving their operating performance. Thirdly, by selecting the data of the listed commercial banks in the ten years of 2012–2022, this article obtains the empirical testing of the digital transformation on different property rights. Finally, the higher the level of digitalization, the higher the digital level, the more significantly promotes the performance of commercial banks. Finally, based on the above analysis, this article puts forward feasibility opinions on commercial banks and related regulators.