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<p>This paper explores the impact of digital transformation on loan interest rates by incorporating digital transformation into a multi-sectoral interest rate decision model for banks from a "cost-income" perspective. We find that digital transformation reduces loan interest rates through the channels of reducing banks' administrative costs and increasing income quality. Further research reveals that the loan interest rates of non-state-owned banks and those located in the central and western regions are more significantly affected by digital transformation. The study also indicates that the impact of digital transformation on bank interest rates mainly comes from the digital transformation of business. Our study enriches the research on the relationship between digital transformation and bank loan interest rates.</p>

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Bank loan interest rate decision in the digital age: rise or fall?

  • 期刊论文

  • 发表日期：

    2026年5月21日

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  • Wenyang Wu,
  • Shenfeng Tang,
  • Jianxing Chen

摘要

This paper explores the impact of digital transformation on loan interest rates by incorporating digital transformation into a multi-sectoral interest rate decision model for banks from a "cost-income" perspective. We find that digital transformation reduces loan interest rates through the channels of reducing banks' administrative costs and increasing income quality. Further research reveals that the loan interest rates of non-state-owned banks and those located in the central and western regions are more significantly affected by digital transformation. The study also indicates that the impact of digital transformation on bank interest rates mainly comes from the digital transformation of business. Our study enriches the research on the relationship between digital transformation and bank loan interest rates.