Fintech Adoption and Banks'Active Risk-Taking Behaviour——A Theoretica l and Empirical Study Based on Bank Credit Supply
By constructing a bank deposit and loan return model under the constraints of Fintech,this paper innovatively distinguishes bank risk-taking into active risk-taking and passive risk-taking,and analyses the mechanism of Fintech's impact on banks'active risk-taking at the theoretical level.Further,based on the panel data of 114 Chinese commercial banks from 2009-2022,the impact of banks'Fintech applications on active risk-taking behaviours and the role of bank credit supply in it are empirically examined.The study finds that the application of Fintech will stimulate banks to actively take more risks and im-prove the level of active risk-taking of commercial banks.The expansion of bank credit scale and the adjustment of bank credit structure will strengthen the positive relationship between Fintech and banks'active risk-taking,i.e.,aggravate the"risk-taking effect"of banks'Fintech,and this effect is more obvious in small and medium-sized banks.The findings of the study can expand the academic community's new understanding of the economic consequences of bank Fintech,and also provide a new perspec-tive for China's commercial banks to optimize the allocation of credit resources and regulators to prevent financial risks.
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NSTL
万方数据
