FinTech adoption and bank risk-taking: evidence from China

被引：8
|
作者：
Guo, Pin [1 ]
Cheng, Maoyong [1 ]
Shen, Yue [1 ]
机构：
[1] Xi An Jiao Tong Univ, Sch Econ & Finance, 74 Yanta West Rd, Xian 710061, Shaanxi, Peoples R China
来源：
APPLIED ECONOMICS LETTERS | 2024年 / 31卷 / 07期
基金：
国家教育部科学基金资助; 中国博士后科学基金;
关键词：
FinTech; bank risk-taking; panel quantile regression; China;
D O I：
10.1080/13504851.2022.2140755
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
We examine the impact of FinTech adoption on bank risk-taking. Applying the instrumental variable panel quantile regression (IV-QRPD) approach to the data of 160 Chinese commercial banks over the period of 2011-2020, we provide fresh evidence on the quantile-varying relation between FinTech adoption and bank risk-taking. We show that FinTech adoption increases bank risk-taking in low and middle quantiles but reduces bank risk-taking in high quantiles. We further find that this quantile-varying impact works through the efficiency-enhancing, gamble for resurrection, and credit expansion channels.
引用
收藏
页码：594 / 602
页数：9
相关论文
共 50 条
  • [21] Monetary policy, capital regulation and bank risk-taking: Evidence from China
    Jiang, Hai
    Yuan, Chao
    JOURNAL OF ASIAN ECONOMICS, 2022, 82
  • [22] Fintech adoption, internal control quality and bank risk taking: Evidence from Chinese listed banks
    He, Miao
    Song, Ge
    Chen, Qianqian
    FINANCE RESEARCH LETTERS, 2023, 57
  • [23] Bank regulations, bank competition and bank risk-taking: Evidence from Japan
    Tongurai, Jittima
    Vithessonthi, Chaiporn
    JOURNAL OF MULTINATIONAL FINANCIAL MANAGEMENT, 2020, 56
  • [24] Monetary policy uncertainty, market structure and bank risk-taking: Evidence from China
    Ge, Xinyu
    Liu, Yan
    Zhuang, Jiali
    FINANCE RESEARCH LETTERS, 2023, 52
  • [25] The Role of Fintech on Bank Risk-Taking: Mediating Role of Bank's Operating Efficiency
    Sajid, Rabbia
    Ayub, Huma
    Malik, Bushra F.
    Ellahi, Abida
    HUMAN BEHAVIOR AND EMERGING TECHNOLOGIES, 2023, 2023
  • [26] Bank opacity and risk-taking: Evidence from analysts' forecasts
    Fosu, Samuel
    Ntim, Collins G.
    Coffie, William
    Murinde, Victor
    JOURNAL OF FINANCIAL STABILITY, 2017, 33 : 81 - 95
  • [27] Muslim CEOs and bank risk-taking: Evidence from Indonesia
    Ooi, Chai-Aun
    Setiawan, Doddy
    Hooy, Chee-Wooi
    GLOBAL FINANCE JOURNAL, 2021, 50
  • [28] Corruption and bank risk-taking: Evidence from emerging economies
    Chen, Minghua
    Jeon, Bang Nam
    Wang, Rui
    Wu, Ji
    EMERGING MARKETS REVIEW, 2015, 24 : 122 - 148
  • [29] The influence of risk-taking on bank efficiency: Evidence from Colombia
    Sarmiento, Miguel
    Galan, Jorge E.
    EMERGING MARKETS REVIEW, 2017, 32 : 52 - 73
  • [30] Fintech, macroprudential policies and bank risk: Evidence from China
    Zhao, Yang
    Goodell, John W.
    Wang, Yong
    Abedin, Mohammad Zoynul
    INTERNATIONAL REVIEW OF FINANCIAL ANALYSIS, 2023, 87
12345