数字金融对商业银行风险承担的影响路径与作用机制

The Impact of Digital Finance on the Risk-taking of Commercial Banks

商业银行的风险承担不仅关系着自身经营的成败,也牵动着社会经济金融的稳定。数字金融的发展使得大数据、人工智能等技术在商业银行得到广泛应用,降低了信息不对称程度、提高了资源配置效率和风险管理能力,抑制商业银行的高风险承担行为。本文从商业银行的内部渠道入手,对数字金融对商业银行风险承担的影响路径与作用机制展开研究,并根据研究结论从银行发展和行业监管两方面提出了对策建议。

The risk-taking of commercial banks is not only related to the success or failure of their own operations,but also affects the stability of social economy and finance.The development of digital finance makes big data,artificial intelligence and other technologies widely applied in commercial banks,which reduces the degree of information asymmetry,improves the efficiency of resource allocation and risk management ability,and inhibits the high-risk undertaking behavior of commercial banks.Starting from the internal channels of commercial banks,this paper studies the influence path and mechanism of digital finance on risk taking of commercial banks,and puts forward countermeasures and suggestions from two aspects of bank development and industry supervision according to the research conclusions.