当代经济管理2024，Vol.46Issue(5)：84-96,13.DOI:10.13253/j.cnki.ddjjgl.2024.05.009
金融科技对银行风险承担的"双刃剑"影响
The"Double-edged Sword"Impact of Fintech on Banks'Risk-taking:A Test of the Moderating Effect Based on Macro-prudential Supervision
摘要
Abstract
The steady development of Fintech and the accelerated digital transformation of commercial banks have become the core elements of the sup-ply-side structural reform of the financial industry at this stage and in the period ahead.Based on the"enabling"and"crowding out"effects of Fin-tech,this paper examines the impact mechanism of Fintech on banks'risk-taking under macro-prudential supervision.The study finds that commercial banks'development of Fintech reduces bank risk-taking overall,but loan restructuring and the degree of bank competition play competing indirect roles in the process of Fintech influencing bank risk-taking,respectively.In addition,macro-prudential supervision measures have a positive moderating effect on the"enabling"effect of Fintech,and a negative moderating effect on the"crowding out"effect of Fintech.Based on the perspective of banks'establishment of Fintech subsidiaries,this study provides theoretical discussion and empirical evidence for commercial banks'development of Fintech and regulators'formulation of macro-prudential supervision policies.关键词
金融科技/银行风险承担/"双刃剑"影响/宏观审慎监管Key words
Fintech/bank risk-taking/"double-edged sword"impact/macro-prudential supervision分类
管理科学引用本文复制引用
朱诗怡,晏景瑞..金融科技对银行风险承担的"双刃剑"影响[J].当代经济管理,2024,46(5):84-96,13.基金项目
教育部人文社会科学青年项目"金融业应用替代数据的信贷效用、潜在风险及其审慎监管研究"(23YJC790212) （23YJC790212）
国家社会科学基金项目"数字金融缓解专精特新企业融资约束问题研究"(22BGL069). （22BGL069）
