Impact of financial technology on green credit of commercial banks in China
The paper selects and analyzes the data of 35 listed commercial banks from 2012 to 2021 to empirically test the impact of financial technology development on the scale of green credit in commercial banks.It carries out the mechanism and regulatory effect tests to comprehensively examine the impact of financial technology.The conclusions are as follows:the development of financial technology helps to expand the scale of green credit in commercial banks,and this conclusion still holds after a series of robustness tests;the results of the intermediary regulation mechanism indicate that the green reputation and competitiveness of commercial banks are important factors in strengthening the relationship between financial technology and the expansion of green credit scale,and financial technology can promote the development of green credit by improving information screening ability and credit allocation efficiency;and the results of heterogeneity analysis show that the application of financial technology has a more significant promoting effect on green credit in nationwide commercial banks with a higher capital adequacy ratio.
万方数据
维普
