Proceedings of the 4th Management Science Informatization and Economic Innovation Development Conference, MSIEID 2022, December 9-11, 2022, Chongqing, China

Research Article

Study on the Impact of Digital Economics on Regional Credit Risk of Commercial Banks

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  • @INPROCEEDINGS{10.4108/eai.9-12-2022.2327708,
        author={Linjing  Qu},
        title={Study on the Impact of Digital Economics on Regional Credit Risk of Commercial Banks},
        proceedings={Proceedings of the 4th Management Science Informatization and Economic Innovation Development Conference, MSIEID 2022, December 9-11, 2022, Chongqing, China},
        publisher={EAI},
        proceedings_a={MSIEID},
        year={2023},
        month={3},
        keywords={digital economics; commercial bank; non-performing loan ratio; credit risk},
        doi={10.4108/eai.9-12-2022.2327708}
    }
    
  • Linjing Qu
    Year: 2023
    Study on the Impact of Digital Economics on Regional Credit Risk of Commercial Banks
    MSIEID
    EAI
    DOI: 10.4108/eai.9-12-2022.2327708
Linjing Qu1,*
  • 1: Wuhan University of Technology
*Contact email: 719495901@qq.com

Abstract

In recent years, digital economics has been a vital strength in element resource reconstruction and economic structure remodeling, bringing changes for modern commercial banks and potentially impacting commercial banks’ credit risk control. Based on panel data from 30 Chinese provinces and cities from 2011-2019, we measured the development level of digital economics in different provinces and cities and formed data sets with factor analysis. A fixed effect model was used to perform a benchmark regression analysis and examine the impact of digital economics on non-performing loan ratio in theoretical and empirical dimensions. The result show that the development of digital economics has marked a negative impact on non-performing loan ratio of commercial banks.