首页|中小银行与科技公司战略合作的普惠效应——基于多期DID模型的实证分析

中小银行与科技公司战略合作的普惠效应——基于多期DID模型的实证分析

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本文基于255家银行2012-2021年的数据,识别中小银行与科技公司开展战略合作的特征和变化趋势,并深入剖析战略合作对中小银行小微企业信贷供给的影响机理、路径和效果.研究发现:第一,超过半数的中小银行已采取战略合作方式推进数字化转型进程,且战略合作模式逐渐从单一的技术合作模式向"技术+资本"合作模式拓展.第二,中小银行与科技公司战略合作能产生强化小微企业信贷供给规模的普惠效应,且"技术+资本"合作模式比单一的技术合作模式产生的普惠效应更显著.第三,战略合作对信用评级型贷款技术偏好程度较高、资产规模较大和位于东部地区的中小银行产生了更强的普惠效应.第四,效率提升和风险容忍度提高是战略合作行为产生普惠效应的重要机制.第五,地方政府数据开放有助于强化战略合作的普惠效应,而金融监管强度与战略合作的普惠效应存在倒U型关系.
Inclusive Effect of Strategic Cooperation between Small and Medium Banks and Technology Companies——An Empirical Analysis Based on the DID Model with Multiple Time Periods
The persistent issue of addressing the financial constraints faced by small and micro enterprises has long been a topic of common concern.This article focuses on whether the strategic cooperation between small and medium-sized commer-cial banks and technology companies can produce the inclusive effect of alleviating the financial constraints of small and micro enterprises.This study uses the data of 255 banks from 2012 to 2021 to identify the characteristics and trends of strategic cooperation between small and medium banks and technology companies,and deeply analyzes the theoretical mechanism,path and effect of strategic cooperation on the credit supply of small and micro enterprises.It shows that:firstly,more than half of small and me-dium banks have adopted strategic cooperation to promote the digital transformation process,and the strategic cooperation has gradually expanded from single technology cooperation to a mode featuring"technology+capital"cooperation.Secondly,the strategic cooperation can produce the inclusive effect of improving the credit supply scale of small and micro enterprises,and the"technology+capital"cooperation mode produces more obviously inclusive effect than the single technology cooperation mode.Thirdly,the strategic cooperation has stronger inclusive effect on banks with a higher degree of preference for credit rat-ing loans,larger asset scale and located in the eastern region.Fourthly,the improvement of efficiency and risk tolerance are im-portant influencing mechanisms.Fifthly,the data opening of local government helps strengthen the inclusive effect,while there is an inverted U-shaped relationship between the strength of financial regulation and the inclusive effect.The marginal contributions are as follows.Firstly,the cooperation mode is innovatively summarized into single technology cooperation and"technology+capital"cooperation.Secondly,it verifies that the strategic cooperation has inclusive effect,providing a new perspective for inclusive finance.Thirdly,it reveals that the data opening of local government is of great value when using Fintech to empower the small and micro credit market.

Financial TechnologyStrategic CooperationSmall and Medium BanksCreditData OpeningFinan-cial Regulation

陈晓洁

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中国农业大学经济管理学院

康奈尔大学查尔斯·戴森应用经济与管理学院

金融科技 战略合作 中小银行 信贷 数据开放 金融监管

国家自然科学基金面上项目国家留学基金委国家建设高水平大学公派研究生项目

72173121202206350104

2024

国际金融研究
中国银行股份有限公司 中国国际金融学会

国际金融研究

CSTPCDCSSCICHSSCD北大核心
影响因子:3.183
ISSN:1006-1029
年,卷(期):2024.(1)
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