Research on the Impact of Digital Transformation in Commercial Banks on the Financing Environment for Science and Technology Innovation Enterprises

DOI: https://doi.org/10.62517/jmsd.202512521

Author(s)

Huimin Wang, Yanlin An*

Affiliation(s)

Guangzhou College of Commerce, Guangzhou, China *Corresponding Author

Abstract

The High-level Financial Work Conference explicitly called for accelerating the building of China into a financial powerhouse, identifying sci-tech finance as one of the five key priorities essential to achieving this goal. Against the backdrop of an accelerating transition from scientific and technological innovation to industrialization, the role of fintech in driving technological innovation has become increasingly prominent. This study focuses on the impact of digital transformation in commercial banks on the financing environment for sci-tech innovation enterprises, examining the current situation and proposing targeted recommendations. Research shows that digital transformation in commercial banks has enhanced financial services for sci-tech innovation enterprises by expanding service coverage, diversifying financing channels, lowering financing costs, and improving financing efficiency. However, it has also introduced adverse effects, such as imbalanced resource allocation among banks, "misjudgments" by risk control models in assessing sci-tech innovation enterprises, and financing disparities arising from differentiated qualification certifications. To address these issues, this study proposes specific measures, including strengthening collaboration and resource sharing among commercial banks, reconstructing model logic and establishing human-machine collaboration mechanisms, and optimizing the guidance of public strategies and the allocation of funds. These recommendations aim to better serve sci-tech innovation enterprises, foster deeper integration of technology and finance, and support China's technological advancement and the sustainable development of high-tech industries.

Keywords

Commercial Banks; Digital Transformation; Sci-Tech Enterprise Financing

References

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