Impact of the development of FinTech by commercial banks on bank credit risk

被引：19
|
作者：
Zhang, Yujin [1 ,2 ]
Ye, Shujun [1 ]
Liu, Jie [1 ]
Du, Lihong [2 ]
机构：
[1] Beijing Jiaotong Univ, Sch Econ & Management, Beijing 100044, Peoples R China
[2] Hebei Univ Chinese Med, Dept Humanities & Management, Shijiazhuang 050200, Hebei, Peoples R China
来源：
FINANCE RESEARCH LETTERS | 2023年 / 55卷
关键词：
FinTech; Bank credit risk; Digital risk control;
D O I：
10.1016/j.frl.2023.103857
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
This paper constructs FinTech development indicators of commercial banks through web crawler, and uses the data of 138 Chinese commercial banks from 2013 to 2021 to investigate the impact of the development of FinTech of commercial banks on bank credit risk. The results show that the development of FinTech significantly reduces the credit risk level of commercial banks, among which the application of FinTech in the digital risk control of banks plays an important role in reducing bank credit risk, and the development of FinTech in small and medium-sized banks has a greater inhibitory effect on credit risk.
引用
收藏
页数：8
相关论文
共 50 条
  • [1] The impact of bank FinTech on commercial banks' risk-taking in China
    Wu, Xin
    Jin, Tianhe
    Yang, Keng
    Qi, Hanying
    INTERNATIONAL REVIEW OF FINANCIAL ANALYSIS, 2023, 90
  • [2] The Impact of Fintech Development on Commercial Banks' Profitability
    Mansour, Nadia
    JOURNAL OF ORGANIZATIONAL AND END USER COMPUTING, 2024, 36 (01)
  • [3] THE IMPACT OF CREDIT RISK ASSESSMENT ON CREDIT ACTIVITY OF COMMERCIAL BANKS
    Ljubic, Marijana
    Pavlovic, Vladan
    Milacic, Srecko
    ECONOMIC AND SOCIAL DEVELOPMENT: 5TH EASTERN EUROPEAN ECONOMIC AND SOCIAL DEVELOPMENT CONFERENCE ON SOCIAL RESPONSIBILITY, 2015, : 29 - 37
  • [4] Research on the influence of FinTech development on credit supply of commercial banks: the case of China
    Wu, Guo
    Luo, Jiadong
    Tao, Kejing
    APPLIED ECONOMICS, 2024, 56 (06) : 639 - 655
  • [5] Fintech, bank concentration and commercial bank profitability: Evidence from Chinese urban commercial banks
    Li, Linwen
    Gao, Wei
    Gu, Wanhong
    FINANCE RESEARCH LETTERS, 2023, 57
  • [6] Fintech, Bank Risk-Taking, and Risk-Warning for Commercial Banks in the Era of Digital Technology
    Li, Gang
    Elahi, Ehsan
    Zhao, Liangliang
    FRONTIERS IN PSYCHOLOGY, 2022, 13
  • [7] The impact of credit securitization on bank stability: Evidence from commercial banks in China
    Dai, Yuzan
    Zhu, Chengke
    Cui, Mingchao
    2019 INTERNATIONAL CONFERENCE ON ECONOMIC MANAGEMENT AND MODEL ENGINEERING (ICEMME 2019), 2019, : 373 - 376
  • [8] FinTech development and commercial bank efficiency in China
    Lee, Chien-Chiang
    Ni, Wenjie
    Zhang, Xiaoming
    GLOBAL FINANCE JOURNAL, 2023, 57
  • [9] CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS
    Konovalova, N.
    Kristovska, I.
    Kudinska, M.
    POLISH JOURNAL OF MANAGEMENT STUDIES, 2016, 13 (02): : 90 - 100
  • [10] Commercial bank finance for SMEs and credit portfolio of commercial banks in India
    Ibrahim, P. A.
    INTERNATIONAL JOURNAL OF INDIAN CULTURE AND BUSINESS MANAGEMENT, 2021, 24 (01) : 1 - 18
12345