Study of the Impact of Financial Technology on the Systemic Risk of Commercial Banks
Financial technology has become the focus of the financial industry,bringing a new paradigm to the development of the banking industry,and is gradually becoming an important means of risk control in the banking industry.This paper,based on the static CoVaR method to measure systemic risk,explores the relationship be-tween financial technology and commercial bank systemic risk.The results show that financial technology will re-strain the systemic risk of commercial banks,financial technology reduces the systemic risk of commercial banks by increasing the capital adequacy ratio and that the higher the non-performing loan ratio of commercial banks is,the more obvious the inhibitory effect of financial technology on systemic risk will be.Therefore,we should promote the combination of financial technology and banking business,pay attention to systemic risk prevention;optimize the distribution of bank branches and improve customer stickiness;implement differentiated risk management for differ-ent types of commercial banks;strengthen internal and external linkage,and establish a network information sha-ring platform for financial business.
financial technologysystemic riskcapital adequacy ratioliquidity of assetsnon-performing loan ratio
万方数据
维普
