首页|金融科技对银行风险承担的"双刃剑"影响——基于宏观审慎监管的调节作用

金融科技对银行风险承担的"双刃剑"影响——基于宏观审慎监管的调节作用

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稳妥发展金融科技,加速实现商业银行数字化转型,已成为现阶段及未来一段时间金融供给侧结构性改革的核心内容.基于金融科技的"赋能"效应和"挤出"效应,考察了宏观审慎监管下金融科技对银行风险承担的影响机制.研究发现:商业银行发展金融科技整体上能降低银行风险承担,但贷款结构调整、银行竞争程度分别在金融科技影响银行风险承担的过程中发挥着竞争性的间接作用,此外,宏观审慎监管对金融科技"赋能"效应有正向调节作用,而对金融科技"挤出"效应有反向调节作用.研究从银行成立金融科技子公司的视角出发,为商业银行发展金融科技和监管部门制定宏观审慎监管政策提供了理论探讨和经验证据.
The"Double-edged Sword"Impact of Fintech on Banks'Risk-taking:A Test of the Moderating Effect Based on Macro-prudential Supervision
The steady development of Fintech and the accelerated digital transformation of commercial banks have become the core elements of the sup-ply-side structural reform of the financial industry at this stage and in the period ahead.Based on the"enabling"and"crowding out"effects of Fin-tech,this paper examines the impact mechanism of Fintech on banks'risk-taking under macro-prudential supervision.The study finds that commercial banks'development of Fintech reduces bank risk-taking overall,but loan restructuring and the degree of bank competition play competing indirect roles in the process of Fintech influencing bank risk-taking,respectively.In addition,macro-prudential supervision measures have a positive moderating effect on the"enabling"effect of Fintech,and a negative moderating effect on the"crowding out"effect of Fintech.Based on the perspective of banks'establishment of Fintech subsidiaries,this study provides theoretical discussion and empirical evidence for commercial banks'development of Fintech and regulators'formulation of macro-prudential supervision policies.

Fintechbank risk-taking"double-edged sword"impactmacro-prudential supervision

朱诗怡、晏景瑞

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清华大学 五道口金融学院, 北京 100084

广州大学 创新创业学院, 广东 广州 510006

金融科技 银行风险承担 "双刃剑"影响 宏观审慎监管

教育部人文社会科学青年项目国家社会科学基金项目

23YJC79021222BGL069

2024

当代经济管理
石家庄经济学院

当代经济管理

CHSSCD北大核心
影响因子:0.859
ISSN:1673-0461
年,卷(期):2024.46(5)
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