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Has the Data Elements Marketization Empowered Banks' Digital Transformation? Empirical Evidence from China's City Level
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Chun Lin1, Ziqi Wang1, Wenjing Zhang1, *, Yingjie Sun1
Journal of Technology Economics | 2024, 43(9) : 56 - 71
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Journal of Technology Economics | 2024, 43(9): 56-71
• Industry Technology Economics •
Has the Data Elements Marketization Empowered Banks' Digital Transformation? Empirical Evidence from China's City Level
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Chun Lin1, Ziqi Wang1, Wenjing Zhang1, *, Yingjie Sun1
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  • 1 School of Finance and Trade, Faculty of Economics Liaoning University Shenyang 110036 China
Published: 2024-09-10 doi: 10.12404/j.issn.1002-980X.J24052305
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Deeply cultivating the fertile ground of data elements marketization to release the value of data elements and help banks' digital transformation, which is a key initiative to make a great article of digital finance and to fully exert the financial blood supply function. Based on the panel data of 284 prefecture-level cities from 2010 to 2021, the impact of data element marketization on the banks' digital transformation was deeply explored. The results show that data elements marketization helps to promote banks' digital transformation, while this impact exhibits significant heterogeneous characteristics in terms of city capacity, financial resilience and business credit environment. Mechanism analysis reveals that resource allocation efficiency is the channel through which data elements marketization promotes banks' digital transformation, and fintech and banking competition play a positive moderating effect in the process of data elements marketization empowering banks' digital transformation. The economic consequence test finds that the facilitating effect of data elements marketization on banks' digital transformation can further act on the development of the real economy. Theoretical and practical references are provided for the implementation path of banks' digital transformation.

data elements marketization  /  banks' digital transformation  /  resource allocation efficiency  /  financial technology  /  banking competition
Chun Lin, Ziqi Wang, Wenjing Zhang, Yingjie Sun. Has the Data Elements Marketization Empowered Banks' Digital Transformation? Empirical Evidence from China's City Level[J]. Journal of Technology Economics, 2024 , 43 (9) : 56 -71 . DOI: 10.12404/j.issn.1002-980X.J24052305
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Year 2024 volume 43 Issue 9
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doi: 10.12404/j.issn.1002-980X.J24052305
  • Receive Date：2024-05-23
  • Online Date：2025-07-23
  • Published：2024-09-10
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  • Received：2024-05-23
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    1 School of Finance and Trade, Faculty of Economics Liaoning University Shenyang 110036 China
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表12种不同金属材料的力学参数
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小菇科 Mycenaceae 2 12 5.74 丝盖伞属 Inocybe 5 2.39
多孔菌科 Polyporaceae 8 14 6.70 蜡蘑属 Laccaria 5 2.39
红菇科 Russulaceae 3 23 11.00 小皮伞属 Marasmius 6 2.87
小菇属 Mycena 11 5.26
光柄菇属 Pluteus 5 2.39
红菇属 Russula 17 8.13
栓菌属 Trametes 5 2.39
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