摘要
本文区分商业银行外部与内部的金融科技,基于存、贷、汇业务进行综合分析,根据不同的影响渠道,探讨了金融科技的发展如何降低商业银行风险承担,并以2011—2020年商业银行相关数据为样本进行了实证分析。研究发现,金融科技发展降低了商业银行风险承担。异质性分析表明,商业银行规模对于金融科技影响其风险承担的效果具有调节效应,银行规模越大,则金融科技的风险缓释效果越明显;另外,商业银行类型、股权结构同样可以产生异质性影响。进一步在相关机制探讨中,对资产端与中间业务端的影响渠道进行了检验。最后,基于现实背景和研究结论提出了政策建议。
This paper distinguishes the external and internal Fintech of commercial banks,conducts a compre⁃hensive analysis based on deposit,loan and foreign exchange business,and discusses how the development of Fin⁃tech can reduce the risk-taking of commercial banks according to different influence channels.On this basis,the empirical analysis is carried out with the relevant data of commercial banks from 2011 to 2020 as a sample.This study finds that the development of Fintech reduced the risk-taking of commercial banks.Heterogeneity analysis finds that the size of commercial banks has a moderating effect on the effect of Fintech on their risk-taking.The larger the bank scale,the more obvious the risk mitigation effect of Fintech,and the type and ownership structure of commercial banks can also have a heterogeneous impact.In the further discussion of relevant mechanisms,the influence of channels on the asset side and the intermediate business side is verified.Finally,this paper puts for⁃ward policy recommendations based on the realistic background and research conclusions.
作者
何理
冯科
刘雨峰
He Li;Feng Ke;Liu Yufeng
出处
《西南金融》
北大核心
2022年第8期43-58,共16页
Southwest Finance
基金
国家社科基金后期资助项目“京津冀协同发展中的区块链与供应链金融应用研究”(20FJYB062)。
关键词
金融科技
商业银行
风险承担
风险管理
数字化转型
银行业务创新
数字普惠金融
监管科技
Fintech
commercial banks
risk taking
risk management
digital transformation
banking innova⁃tion
digital financial inclusion
regulatory technology
