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Table 1.

Digital transformation index system of commercial banks.

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Fig 1.

How the digital transformation of banks affects liquidity creation.

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Fig 2.

Time trend of digital transformation of commercial banks from 2010 to 2021.

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Table 2.

Descriptive statistics.

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Table 3.

Baseline regression test.

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Table 4.

Test of mediating effect.

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Table 5.

Robustness test.

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Table 6.

Endogeneity test.

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Table 7.

Influence analysis of heterogeneity: External factors.

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Table 8.

Analysis of heterogeneity: internal factors.

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