金融科技、竞争与银行信贷结构--基于中小企业融资视角

Fin Tech,Competition and Bank Credit Structure--Based on the Perspective of Small and Medium-sized Enterprises Financing

基于2013-2018年中国商业银行数据,考察了金融科技对信贷信用结构与期限结构的影响机制。研究发现,竞争促使信贷总量中信用贷款与中长期贷款占比提高,有利于信贷信用结构与期限结构的改善。同时,金融科技发展加剧了银行竞争,进而改善了信贷的信用结构与期限结构。进一步研究发现,金融科技与竞争推动的信贷信用结构与期限结构调整提升了银行风险承担水平。

Based on the data of commercial banks in China from 2013 to 2018,this paper investigated the influence mechanism of Fin Tech on credit structure and term structure.It is found that competition is conducive to the improvement of the credit structure and term structure of bank loan.Meanwhile,the development of Fin Tech has intensified bank competition,then has improved credit structure and term structure.Further research shows that mentioned adjustment of credit structure and term structure has raised the risk-taking level of banks.