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
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