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基于2009—2024年中国25家上市银行面板数据,结合银行数字化转型指数与北京大学数字普惠金融指数,构建银行内部数字化转型与外部数字金融环境协同效应分析框架,检验二者交互作用对银行系统性风险的影响。研究发现,银行内部数字化转型与外部数字金融环境提升之间存在显著协同效应,能够有效抑制银行系统性风险。异质性分析表明,在外部数字金融发展水平较高地区,以及资产质量较弱、系统性风险较高的银行样本中,该协同效应的风险抑制作用更为明显。进一步分析发现,该协同效应在不同阶段存在强弱差异,但总体上均表现为对系统性风险的抑制特征。研究结果表明,应完善数字金融基础设施,提升银行数字化转型能力与风险应对韧性,健全协同监管机制,以增强金融体系稳健性。

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