At present,the steady development of financial technology and the acceleration of the digital transformation of financial institutions have become an important starting point for building a modern financial system and better serving the real economy.Holding relatively illiquid assets and borrowing liquidity liabilities can be known as the liquidity creation function of banks,and it is also an important embodiment of commercial banks serving the real economy.In the context of the vigorous development of financial technology,the research on the impact of financial technology on the liquidity creation of commercial banks has always been a hot issue in the academic field.Based on this,this paper reviews the relevant literature at home and abroad,summarizes the existing research conclusions and puts forward relevant suggestions,in order to provide decision-making basis for policymakers,promote the healthy development of fintech and liquidity creation of commercial banks,improve the safety and soundness of financial institutions,and strengthen the stability of the entire financial market.
维普
万方数据