FinTech adoption and bank risk-taking: evidence from China

被引：7
|
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：
中国博士后科学基金; 国家教育部科学基金资助;
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
  • [1] Impact of Fintech on Bank Risk-Taking: Evidence from China
    Deng, Liurui
    Lv, Yongbin
    Liu, Ye
    Zhao, Yiwen
    [J]. RISKS, 2021, 9 (05)
  • [2] Bank fintech, liquidity creation, and risk-taking: Evidence from China
    Fang, Yi
    Wang, Qi
    Wang, Fan
    Zhao, Yang
    [J]. ECONOMIC MODELLING, 2023, 127
  • [3] Fintech and corporate risk-taking: Evidence from China
    Tang, Mengxuan
    Hou, Yang
    Goodell, John W.
    Hu, Yang
    [J]. FINANCE RESEARCH LETTERS, 2024, 64
  • [4] The impact of bank FinTech on commercial banks' risk-taking in China
    Wu, Xin
    Jin, Tianhe
    Yang, Keng
    Qi, Hanying
    [J]. INTERNATIONAL REVIEW OF FINANCIAL ANALYSIS, 2023, 90
  • [5] Bank homogeneity and risk-taking: Evidence from China
    Ren, Meixu
    Zhao, Jingmei
    Ke, Konglin
    Li, Yidong
    [J]. QUARTERLY REVIEW OF ECONOMICS AND FINANCE, 2023, 92 : 142 - 154
  • [6] Bank connections and corporate risk-taking: evidence from China
    Zhai, Shengbao
    Xie, Lu
    Zhang, Sheng
    [J]. ASIA-PACIFIC JOURNAL OF ACCOUNTING & ECONOMICS, 2017, 24 (1-2) : 183 - 194
  • [7] Financial Interconnectedness and Bank Risk-Taking: Evidence from China
    Wang, Rui
    Kang, Jing
    [J]. JOURNAL OF THE KNOWLEDGE ECONOMY, 2023,
  • [8] Will fintech development increase commercial banks risk-taking? Evidence from China
    Hu, Debao
    Zhao, Sibo
    Yang, Fujun
    [J]. ELECTRONIC COMMERCE RESEARCH, 2024, 24 (01) : 37 - 67
  • [9] Will fintech development increase commercial banks risk-taking? Evidence from China
    Debao Hu
    Sibo Zhao
    Fujun Yang
    [J]. Electronic Commerce Research, 2024, 24 : 37 - 67
  • [10] Does the bank's FinTech innovation reduce its risk-taking? Evidence from China's banking industry
    Li, Chengming
    He, Si
    Tian, Yuan
    Sun, Shiqi
    Ning, Lu
    [J]. JOURNAL OF INNOVATION & KNOWLEDGE, 2022, 7 (03):
12345