Fintech and commercial bank risks-The moderating effect of financial regulation

被引：10
|
作者：
Ni, Qing [1 ]
Zhang, Li [1 ]
Wu, Chengsong [1 ]
机构：
[1] Anhui Univ, Sch Business, Hefei 230601, Peoples R China
来源：
FINANCE RESEARCH LETTERS | 2023年 / 58卷
关键词：
Fintech; Bank risk; Financial regulation; Moderating effect; Empirical research;
D O I：
10.1016/j.frl.2023.104536
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
This study examines the relationship between financial technology (fintech) and commercial bank risk, using unbalanced panel data from 114 Chinese urban banks from 2014 to 2021. The findings reveal a complex and dynamic relationship. Overall, fintech has a mitigating effect on bank risk. However, the relationship follows an inverted U-shaped pattern, exacerbating risks in the early stages but reducing them as fintech develops. In particular, financial regulation plays a crucial role in moderating this relationship by counteracting the negative effects during the initial introduction of fintech.
引用
收藏
页数：6
相关论文
共 50 条
  • [31] The effect of marketing knowledge management on bank performance through fintech innovations: A survey study of jordanian commercial banks
    Al-Dmour, Hani
    Asfour, Futon
    Al-Dmour, Rand
    Al-Dmour, Ahmad
    Al-Dmour, Hani (dmourh@ju.edu.jo), 1600, Informing Science Institute (15): : 203 - 225
  • [32] Bank regulation, financial crisis, and the announcement effects of seasoned equity offerings of US commercial banks
    Li, Hui
    Liu, Hong
    Siganos, Antonios
    Zhou, Mingming
    JOURNAL OF FINANCIAL STABILITY, 2016, 25 : 37 - 46
  • [33] Operation Innovation or Operational Risk? An Analysis of the Financial Regulation of Fintech
    Scott, Riley
    JOURNAL OF BANKING AND FINANCE LAW AND PRACTICE, 2021, 32 (03): : 181 - 193
  • [34] Fintech, financial regulation and corporate financialization: Evidence from China
    Wang, Qi
    Hu, Chan
    FINANCE RESEARCH LETTERS, 2023, 58
  • [35] Greenwashing, bank financial performance and the moderating role of gender diversity
    Birindelli, Giuliana
    Chiappini, Helen
    Jalal, Raja Nabeel-Ud-Din
    RESEARCH IN INTERNATIONAL BUSINESS AND FINANCE, 2024, 69
  • [36] CONCEPTUAL BASIS AND RISKS STRATEGIC MANAGEMENT OF A COMMERCIAL BANK
    Parasich, Viacheslav
    FINANCIAL AND CREDIT ACTIVITY-PROBLEMS OF THEORY AND PRACTICE, 2024, 6 (59): : 24 - 36
  • [37] Digital risks and Islamic FinTech: a road map to social justice and financial inclusion
    Alsaghir, Mohammad
    JOURNAL OF ISLAMIC ACCOUNTING AND BUSINESS RESEARCH, 2023,
  • [38] The Effect of Financial Inclusion on Credit Risk in Sae C Countries The Moderating Role of Financial Regulation and Stability
    Jungo, Joao
    Madaleno, Mara
    Botelho, Anabela
    AFRICA REVIEW, 2023, 15 (02) : 138 - 169
  • [39] The Research on Bank Credit and Financial Risks of Real Estate
    Du, Linlin
    Zhang, Ruiwen
    EIGHTH WUHAN INTERNATIONAL CONFERENCE ON E-BUSINESS, VOLS I-III, 2009, : 1255 - 1260
  • [40] Bridging the nexus between Fintech, operational efficiency and banks profitability: the moderating role of bank size
    Elmahdy, Asmaa Hamdy Abdelaziz Mohamed
    Abdelkader, Menna Talla Khaled Mohamed
    Shaker, Mina Ayman Mikhaeel
    FUTURE BUSINESS JOURNAL, 2025, 11 (01)
12345