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商业银行作为金融领域的关键枢纽,研究金融科技对其影响已成为当前的核心议题。基于2011—2023年典型全国上市商业银行的面板数据,采用固定效应模型、中介效应模型和调节效应模型实证分析金融科技对商业银行盈利能力的影响和作用机制。结果表明:金融科技与商业银行的盈利能力之间呈现“欲扬先抑”的“U”型关系;金融科技通过缓释信贷风险和优化金融服务提升商业银行的盈利能力,并受到银行人工智能水平的调节;这一效应在系统重要性银行、东部地区和城商农商小型银行中更为显著。基于此,从不同时间发展周期、动态发展路径和精准化策略提出金融科技赋能商业银行盈利能力的对策建议。

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