随着信息技术的飞速发展和金融科技的广泛应用，数字金融已成为推动金融行业创新发展的重要力量。特别是在中国，数字金融的崛起对商业银行的经营模式和风险管理产生了深刻影响。在此背景下，本文运用回归分析的方法，选取了2012年2021年间共计110家商业银行的面板数据作为研究样本，实证检验了数字金融发展对银行风险承担的影响。研究结果表明：（1）整体而言，数字金融的发展显著提升中国商业银行的风险承担水平；（2）经过分组回归分析，随着数字金融的不断发展，其对城市商业银行的风险承担水平提升效果尤为显著，相比之下，国有控股大型商业银行也受到一定的积极影响，但影响程度次之。然而，对于农村商业银行而言，数字金融的发展对其风险承担水平的影响并不显著。

With the rapid development of information technology and the wide application of financial technology, digital finance has become an important force driving the innovation and development of the financial industry. Especially in China, the rise of digital finance has had a profound impact on the business model and risk management of commercial banks. In this context, this paper empirically examines the impact of digital finance development on banks' risk-taking by using regression analysis and selecting the panel data of a total of 110 commercial banks during the period of 2012 to 2021 as the research sample. The results of the study show that，Firstly, the development of digital finance has led to a notable enhancement in the risk-taking level of Chinese commercial banks. Secondly, through a group regression analysis, it has been observed that the impact of digital finance on the risk-taking level of urban commercial banks is particularly pronounced, followed by that on state-controlled large commercial banks. Conversely, the influence on the risk-taking level of rural commercial banks remains insignificant.