摘要
数字技术在推动商业银行普惠金融业务向纵深发展的同时,也扩大了客户资金安全等风险隐患。依循从局部到整体的逻辑,探寻数字普惠金融风险特征与种类,采用VaR、格兰杰因果检验等方法探究数字普惠金融对商业银行风险承担的影响。实证结果表明,在没有可持续经营模式、有效风控管理体系的前提下,数字普惠金融会增加商业银行的风险承担。由此提出商业银行积极应对风险冲击并不断提升风险管理水平、加强规范化监管以及各参与主体合作的建议。
While promoting the deep and broad development of the inclusive finance of commercial banks,digital technology amplifies the latent risk of clients’capital.In this study,the characteristics and types of digital inclusive finance were analyzed.Besides,the influence of digital inclusive finance on the risk-taking of commercial banks was studied.The results showed that digital inclusive finance may increase the risk-taking of commercial banks if there is no sustainable management model and effective risk control system.It is suggested that commercial banks should improve their risk management,strengthen standardized supervision and cooperate with other participants.
作者
田娟娟
TIAN Juan-juan(School of Economics,Eastern Liaoning University,Dandong 118001,China)
出处
《辽东学院学报（社会科学版）》
2020年第4期28-36,共9页
Journal of Liaodong University：Social Science Edition
基金
辽宁省社会科学规划基金项目(L16BJY024)
辽宁省经济社会发展研究课题(2019lslktqn-012)。
关键词
数字普惠金融
商业银行
风险承担
风险传染
digital inclusive finance
commercial bank
risk-taking
risk contagion
