How FinTech Affects Bank Systemic Risk: Evidence from China

被引：43

作者：

Chen, Qian ^{[1
,2
]}

Shen, Chuang ^{[3
]}

机构：

[1] Beijing Technol & Business Univ, Sch Econ, Beijing, Peoples R China

[2] Beijing Technol & Business Univ, Inst Digital Econ, Beijing, Peoples R China

[3] Nanjing Univ Finance & Econ, Sch Finance, 3 Wenyuan Rd, Nanjing 210023, Jiangsu, Peoples R China

来源：

JOURNAL OF FINANCIAL SERVICES RESEARCH | 2024年 / 65卷 / 01期

基金：

中国国家自然科学基金;

关键词：

FinTech; Bank systemic risk; Interbank network; Risk contagion; G21; G28; PANEL-DATA; TRANSFORMATION; INNOVATION;

D O I：

10.1007/s10693-023-00421-7

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

In this paper, we investigate whether and how financial technology (FinTech) affects the systemic risk of Chinese banks. Based on bank-level panel data and the system generalized method of moments (SYS-GMM), we find that FinTech increases both banks' exposure and their contribution to systemic risk, and these effects only occur in local commercial banks, less profitable banks, and banks in regions with less developed FinTech. We also investigate the source of FinTech's influence and find that it increases the scale of interbank business and enhances the correlation between banks that increases the possibility of risk contagion.

引用

页码：77 / 101

页数：25

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