FinTech adoption and bank risk-taking: evidence from China

被引：9

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：

国家教育部科学基金资助; 中国博士后科学基金;

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

页码：594 / 602

页数：9

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