Fintech and commercial bank risks-The moderating effect of financial regulation

被引：14
作者：
Ni, Qing [1 ]
Zhang, Li [1 ]
Wu, Chengsong [1 ]
机构：
[1] Anhui Univ, Sch Business, Hefei 230601, Peoples R China
来源：
FINANCE RESEARCH LETTERS | 2023年 / 58卷
关键词：
Fintech; Bank risk; Financial regulation; Moderating effect; Empirical research;
D O I：
10.1016/j.frl.2023.104536
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
This study examines the relationship between financial technology (fintech) and commercial bank risk, using unbalanced panel data from 114 Chinese urban banks from 2014 to 2021. The findings reveal a complex and dynamic relationship. Overall, fintech has a mitigating effect on bank risk. However, the relationship follows an inverted U-shaped pattern, exacerbating risks in the early stages but reducing them as fintech develops. In particular, financial regulation plays a crucial role in moderating this relationship by counteracting the negative effects during the initial introduction of fintech.
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页数：6
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