摘要
金融科技赋能银行业务改变了商业银行的盈利模式,进而影响了其风险承担水平。本文手工整理了2011—2021年我国150家商业银行年报,通过对年报进行文本分析,采用熵值法计算权重,得到个体商业银行的金融科技水平,进而考察金融科技对商业银行风险承担的影响及其机制。实证结果表明,商业银行通过发展金融科技可以降低银企间的信息不对称程度,并提升银行的项目筛选能力,进而降低其风险承担水平。进一步分析发现,对上市商业银行、大规模商业银行,以及处于发达或市场完善程度高地区的银行,或外部金融监管更强的商业银行,金融科技对其风险承担水平的影响更为突出。鉴此,应鼓励商业银行发展金融科技,完善金融科技制度和监管体系,以更有效地提升商业银行防范风险的能力,促进信贷市场持续向好发展。
The empowerment of Fintech in banks has changed the profit model of commercial banks,consequently affecting the risk-taking capacity of banks.Based on the textual analysis of annual reports of 150 Chinese commercial banks from 2011 to 2021,this paper uses entropy method to calculate the weight,so as to measure the Fintech level of commercial banks,and examines the impact of Fintech on the risk-taking of commercial banks.The empirical results show that commercial banks,by leveraging Fintech,can reduce the degree of information asymmetry between banks and enterprises,enhance the banks'project screening capabilities,and consequently reduce their risk-taking.Further analysis reveals that the impact of Fintech on banks'risk-taking level is more prominent in the sample of listed commercial banks,large-scale commercial banks,commercial banks in developed or highly market-perfected regions and subject to stronger external financial regulations.Therefore,encouraging commercial banks to develop Fintech and improve the Fintech system and regulatory system can more effectively enhance the ability of commercial banks to prevent risks and promote the sustainable development of the credit market.
出处
《金融监管研究》
CSSCI
北大核心
2023年第10期1-21,共21页
Financial Regulation Research
基金
国家自然科学基金面上项目“经理人诚信的测度及其对企业创新的多维影响研究:融资成本、治理行为与声誉机制”(项目编号:72072051)
国家自然科学基金面上项目“多维利益相关者框架下金融市场的食品安全治理机制研究:内部治理、市场约束和债权人监督”(项目编号:72372161)的资助
