Strategic cooperation in fintech field and efficiency of commercial banks

被引：2
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.
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页数：23
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