As
a
result
of
the
digital
transition's
information
asymmetry,
banks
have
generated
large
number
non-performing
loans
to
maximize
profits,
therefore
endangering
financial
stability.
In
complex
and
changing
market
environment,
with
sluggish
economic
growth
cross-industry
integration,
commercial
banks,
major
driver
development,
must
define
how
their
transformation
impacts
risks
in
order
sustain
operational
efficiency
steady
growth.
This
paper
takes
116
China
from
2014
2021
as
research
object,
innovatively
combines
moderating
effect
bank's
external
inclusive
development
test
impact
bank
on
credit
risk
intermediary
profitability.
The
moderated
mediation
models
show
that
inclusion
suppresses
negative
by
increasing
Therefore,
should
increase
collaboration
other
institutions,
jump
fast
track
finance
broaden
scope
online
customer
services,
leverage
technology
swiftly
identify
lenders'
credit,
source
high-quality
customers
boost
lessen
risks.
Journal of Open Innovation Technology Market and Complexity,
Journal Year:
2024,
Volume and Issue:
10(2), P. 100260 - 100260
Published: March 27, 2024
This
study
examines
whether
digital
transformation
reduces
banks'
risk-taking
in
the
Vietnamese
commercial
banking
sector.
Our
research
sheds
light
on
how
affects
their
risks,
specifically
regarding
credit,
insolvency,
and
liquidity.
The
utilizes
readiness
index
for
Information
Communication
Technology
(ICT)
Index,
which
government
has
officially
constructed.
OLS,
PCSE,
FGLS
models
are
employed
to
analyze
based
longitudinal
data
from
26
banks
Vietnam
2013
2022.
results
indicate
that
significantly
credit
risk
by
improving
management
capacity
reducing
asymmetric
information.
It
also
helps
mitigate
insolvency
lowering
costs
increasing
profitability.
However,
digitalization
does
not
impact
liquidity
as
channels
leverage
lending
deposit
activities.
provides
empirical
evidence
role
of
bank
concludes
with
recommendations
developing
other
countries,
including
suggestions
further
this
area.
Industrial Management & Data Systems,
Journal Year:
2024,
Volume and Issue:
124(5), P. 2021 - 2041
Published: April 25, 2024
Purpose
This
study
aims
to
investigate
the
influence
of
digital
transformation
on
overall
financial
performance
firms,
with
a
specific
focus
Chinese-listed
companies
from
2010
2021.
It
seeks
understand
impacts
various
accounting
and
indicators
in
emerging
economies
such
as
China.
Design/methodology/approach
employs
text-mining
approach
construct
index
based
data
sample
11,814
firm-year
observations
China’s
A-share
listed
companies.
serves
proxy
measure
extent
its
impact
health.
Findings
The
findings
indicate
that
significantly
enhances
health,
evidenced
by
increased
profitability,
reduced
operational
costs,
lowered
risks.
reveals
time-lagged
effect,
where
benefits
become
more
apparent
after
about
one
year.
Further
analysis
shows
value
is
evident
firm’s
asset
items.
raises
possibility
recognising
by-product,
resources,
process.
Originality/value
research
offers
unique
contribution
linking
using
large
dataset
China's
firms.
Doing
so
our
understanding
tangible
effects
corporate
performance.
Furthermore,
this
provides
valuable
insights
for
advancement
future
practices
development
standards.
Managerial and Decision Economics,
Journal Year:
2025,
Volume and Issue:
unknown
Published: March 18, 2025
ABSTRACT
This
study
examines
the
impact
of
climate
policy
uncertainty
(CPU)
on
banks'
loan
loss
provisions.
Using
a
sample
63
listed
commercial
banks
in
China
from
2007
to
2022,
we
find
that
CPU
significantly
increases
Banks
with
higher
financial
risk
and
greater
exposure
tend
increase
their
provisions
response
CPU.
effect
is
less
pronounced
for
degree
digital
transformation,
better
ESG
performance,
green
commitment,
disclosing
more
substantial
information.
Our
findings
provide
empirical
evidence
importance
reducing
by
government
regulators
management
perspective.
Business Strategy and the Environment,
Journal Year:
2025,
Volume and Issue:
unknown
Published: March 17, 2025
ABSTRACT
This
paper
examines
the
impact
of
digital
transformation
on
and
upgrading
China's
manufacturing
industry.
Utilizing
regression
analysis,
a
two‐way
fixed
effects
model,
mechanism
analysis
panel
threshold
study
explores
how
enhances
technological
advancement
green
innovation
in
The
findings
highlight
heterogeneity
across
dimensions,
regions,
industries,
reveal
nonlinear,
increasing
marginal
When
surpasses
key
thresholds
(0.2770
for
transformation,
0.4884
level,
8.9504
innovation),
its
positive
is
significantly
amplified.
research
provides
theoretical
framework
empirical
evidence
to
guide
industry's
strategic
development
sustainable
upgrading.
