金融科技助力商业银行信贷收益与风险识别研究——兼析金融科技助推信贷资金下沉中小企业

Research on FinTech Optimizing Commercial Banks’ Credit Income and Risk Identification——Further Analysis on Fintech Promoting the Sinking of Credit Funds to Small and Medium-Sized Enterprises

金融科技赋能商业银行,有利于降低信贷集中度,同时也可服务中小企业。本文立足金融科技与商业银行加强合作的现实背景,基于2013-2019年我国31家商业银行数据,分析金融科技发展对商业银行信贷业务的影响。研究发现:在信贷收益方面,金融科技的运用有助于商业银行增加信贷收益;在信贷风险方面,金融科技的运用对商业银行信贷风险的影响呈先降后升的“U型”趋势;异质性结果显示:相较中小银行,大银行在运用金融科技增加信贷收益中表现更优。进一步分析发现,金融科技赋能有助于降低银行信贷集中度,增强银行服务中小企业的能力,助力普惠金融的发展。

Fintech can enable commercial banks to reduce credit concentration and serve small and medium-sized enterprises.Based on the practical background of strengthening the cooperation between FinTech and commercial banks,and the data of 31 commercial banks in China from 2013 to 2019,this paper conducts an empirical study on the impacts of Fin Tech development on the credit business of commercial banks from the dimensions of credit return and credit risk.The results show that:in the aspect of credit return,the application of FinTech helps commercial banks to increase credit return.In the aspect of credit risk,the impact of the application of FinTech on the credit risk of commercial banks shows a "U-shaped" trend,which first decreases and then increases.The heterogeneity result shows that,compared with small and medium-sized banks,large banks perform better in using FinTech to increase credit returns.Further analysis shows that the empowerment of FinTech can help reduce the concentration of bank credit,enhance the ability to serve small and medium-sized enterprises,and facilitate the development of Inclusive Finance.