RT Journal T1 How the digital transformation of commercial banks affects risk-taking: -Analysis based on debt cost and credit selection behavior A1 FANG Fang, LI Qiang PB Journal of Guizhou University of Finance and Economics FD 2024-05-15 YR 2024 JF Journal of Guizhou University of Finance and Economics JO Journal of Guizhou University of Finance and Economics VO 42 IS 03 SP 31 DO K1 digital transformation;risk taking;cost shock effect;credit selection effect LK {https://gcxb.gufe.edu.cn/EN/article/article_9468.shtml}