The Impact and Mechanism of Corporate Big Data Analytics Capability on Commercial Credit Provision

WANG Ya-nan; WAN Meng-yue; XU Feng

Volume 39 Issue 5

Sep. 2024

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Article Navigation > Journal of Guangdong University of Finance & Economics > 2024 > 39(5): 38-54

WANG Ya-nan, WAN Meng-yue, XU Feng. The Impact and Mechanism of Corporate Big Data Analytics Capability on Commercial Credit Provision[J]. Journal of Guangdong University of Finance & Economics, 2024, 39(5): 38-54.

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WANG Ya-nan, WAN Meng-yue, XU Feng. The Impact and Mechanism of Corporate Big Data Analytics Capability on Commercial Credit Provision[J]. Journal of Guangdong University of Finance & Economics, 2024, 39(5): 38-54.

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The Impact and Mechanism of Corporate Big Data Analytics Capability on Commercial Credit Provision

School of Economics and Finance, South China University of Technology, Guangzhou 510006, China

Received Date: 2024-06-01
Available Online: 2024-11-08
Publish Date: 2024-09-28

Abstract

Abstract

In the era of digital economy, big data technology has transformed corporate management models and profoundly influenced commercial credit decision-making. Based on the annual reports of China's A-share listed companies spanning from 2009 to 2021, this paper analyzes a dataset comprising an indicator system for corporate big data analytics capability through text analysis methods, investigating how big data analytics capability affects commercial credit provision. The results show that big data analytics capability significantly improves corporate commercial credit provision through incentivizing R&D innovation, reducing supply chain concentration, and alleviating financing constraints, the impact exhibiting heterogeneity on the nature of property rights, lifecycle stage, earnings management practices, and the degree of information disclosure. This study contributes to the empirical literature by elucidating how listed companies can effectively allocate supply chain funds through the lens of corporate big data analytics capability, thereby providing theoretical insights for the high-quality collaborative development of supply chain finance in the digital economy era.
- big data analytics capability,
- commercial credit provision,
- corporate R&D innovation,
- supply chain concentration,
- financing constraints

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References(52)

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