商业银行数字化转型与城市就业水平提升OACHSSCD

Employing a panel dataset of 280 Chinese cities at prefecture level and above over the 2010-2022 period,this study empirically examines the effect of digital transformation of com-mercial banks on urban employment.The results indicate that the digital transformation of com-mercial banks significantly elevates urban employment levels,and this promoting effect is effec-tively transmitted through increasing the quantity and improving the quality of entrepreneurship.Meanwhile,such an effect presents heterogeneous characteristics across sub-dimensions of com-mercial bank digitalization,geographical locations,city administrative tiers,and urban credit en-vironments.Furthermore,exogenous fintech generates a favorable synergistic effect with the dig-ital transformation of commercial banks in the process of boosting urban employment.According-ly,efforts should be made to fully unleash the employment-generating effect of digital transfor-mation in commercial banks,strengthen the coordination and synergy between financial develop-ment and various employment policies,and rely on the development of a modern financial system with Chinese characteristics to provide strong support for achieving high-quality and full employ-ment.