<section powered-by="xiumi.us" style="margin: 10px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; border-width: 0px; min-width: 10%; height: auto;"><section powered-by="xiumi.us" style="margin: 10px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 10px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 790.4px; border-width: 2px; border-style: dashed; border-color: transparent; border-radius: 0.7em;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; font-size: 15px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;">数字化时代的到来，改变了银行业的经营方式和行业竞争格局，也挑战了传统银行的经营和生存，数字化转型势在必行。本文应用有监督与无监督的机器学习的方法，基于202家中国商业银行2010年至2018年的数据，考察了管理层的数字化认知对银行数字化转型行为的影响。研究结果表明：第一，银行管理层对数字技术所带来的创新机会的认知，对银行的数字化创新和线下分支机构的调整行为均具有促进作用；第二，银行管理层对数字技术所带来的风险挑战的认知，会削弱机会认知的促进作用；第三，银行管理层对数字化机会的认知对数字化转型的促进作用，在数字金融新兴业态挑战更强的市场中具有更强的影响。上述结果说明，在数字化时代，管理层对于新兴技术的积极认知，构成了企业的动态能力，有助于企业在技术变革中的生存和发展。本文应用多种机器学习方法实现了对管理层认知评价的客观测量，此外，本文结论指出了在数字化时代中，企业管理层对数字技术的认知对于企业数字化转型的重要作用，对传统企业的数字化转型实践也具有借鉴意义。</p></section></section></section></section></section><p><section powered-by="xiumi.us" style="margin: 10px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center; justify-content: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; border-width: 0px; min-width: 10%; height: auto;"><section powered-by="xiumi.us" style="margin: 10px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; justify-content: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; border-width: 0px; min-width: 10%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important;"/></p></section></section></section></section></section></p><p><br/></p>

王诗卉 谢绚丽

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