A Study on the Impact of Digital Finance on the Risk Undertaking of Commercial Banks——Based on Diversified Business Analysis
This paper selects 253 commercial banks in China from 2011-2021 as the research sample,and uses the sys-tem GMM estimation method to analyze the impact of digital finance on commercial banks'risk-taking and its mechanism.Research has found that digital finance reduces the risk-taking level of commercial banks by increasing their business diversification,and its inhibitory effect on local banks is more significant than that on national banks.In addition,increasing the intensity of regional financial regulation is conducive to strengthening the inhibitory effect of digital finance on the risk-taking level of commercial banks.The research conclusion of this paper has certain reference value for how commercial banks can more effectively control risks,carry out diversified businesses reasonably,and how financial regulatory authorities can better control systemic risks in the context of the rapid development of digital finance.
digital financerisk-takingdiversification of banks
NETL
NSTL
万方数据
