Strategic cooperation in fintech field and efficiency of commercial banks

被引：1

作者：

Ao, Zhiming ^{[1
,2
]}

Ji, Xinru ^{[3
]}

机构：

[1] Jinan Univ, Inst Finance, Sch Econ, Guangzhou, Peoples R China

[2] Guangzhou Huashang Coll, Guangdong Huashang Inst Fintech Res, Guangzhou, Peoples R China

[3] Jinan Univ, Sch Econ, Dept Finance & Taxat, Guangzhou, Peoples R China

来源：

NORTH AMERICAN JOURNAL OF ECONOMICS AND FINANCE | 2025年 / 76卷

关键词：

Strategic cooperation; Difference-in-differences model; Fintech enterprise; Bank efficiency; Risk preference; RISK-TAKING; GOVERNANCE; BORROWERS; VALUATION; NETWORKS; PROGRESS; CRISIS; MODEL;

D O I：

10.1016/j.najef.2025.102377

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

This study examines the impact of strategic cooperation in fintech field between banks and technology companies on the efficiency of commercial banks. The results reveal that bank-fintech strategic partnerships have a positive impact on bank efficiency. We find that strategic cooperation affects bank operations by improving profitability, digital management capabilities, and cost control abilities. Additionally, this cooperation increases banks' risk preference and eases constraints of conservative operations on efficiency. These improvements based on enhanced bank stability help to alleviate the traditional problems of credit tightening, allowing commercial banks to increase their risk tolerance and achieve profitable growth.

引用

页数：23

共 71 条

[1] Optimal monetary policy with the risk-taking channel [J].

Abbate, Angela ;

Thaler, Dominik .

EUROPEAN ECONOMIC REVIEW, 2023, 152

[2] The seeds of a crisis: A theory of bank liquidity and risk taking over the business cycle [J].

Acharya, Viral ;

Naqvi, Hassan .

JOURNAL OF FINANCIAL ECONOMICS, 2012, 106 (02) :349-366

[3]

Agarwal S, 2018, J. Financial Econom., V129, P608, DOI [10.1016/j.jfineco.2018.05.003, DOI 10.1016/J.JFINECO.2018.05.003]

[4] An evaluation of Altman's Z-score using cash flow ratio to predict corporate failure amid the recent financial crisis: Evidence from the UK [J].

Almamy, Jeehan ;

Aston, John ;

Ngwa, Leonard N. .

JOURNAL OF CORPORATE FINANCE, 2016, 36 :278-285

[5] Efficiency and risk in Japanese banking [J].

Altunbas, Y ;

Liu, MH ;

Molyneux, P ;

Seth, R .

JOURNAL OF BANKING & FINANCE, 2000, 24 (10) :1605-1628

[6] Fintech and regtech: Impact on regulators and banks [J].

Anagnostopoulos, Ioannis .

JOURNAL OF ECONOMICS AND BUSINESS, 2018, 100 :7-25

[7] Bank Networks and Systemic Risk: Evidence from the National Banking Acts [J].

Anderson, Haelim ;

Paddrik, Mark ;

Wang, Jessie Jiaxu .

AMERICAN ECONOMIC REVIEW, 2019, 109 (09) :3125-3161

[8] Can prospect theory explain anomalies in the Chinese stock market? [J].

Ao, Zhiming ;

Ji, Xinru ;

Liang, Xinxin .

FINANCE RESEARCH LETTERS, 2023, 58

[9] Risk sharing, efficiency of capital allocation, and the connection between banks and the real economy [J].

Barattieri, Alessandro ;

Eden, Maya ;

Stevanovic, Dalibor .

JOURNAL OF CORPORATE FINANCE, 2020, 60

[10] On the Rise of FinTechs: Credit Scoring Using Digital Footprints [J].

Berg, Tobias ;

Burg, Valentin ;

Gombovic, Ana ;

Puri, Manju .

REVIEW OF FINANCIAL STUDIES, 2020, 33 (07) :2845-2897

← 1 2 3 4 5 6 7 8 →