数字普惠金融与商业银行风险承担的非线性关联研究

Research on the non-linear relationship between digital inclusive finance and risk-taking of banks

近年来,数字技术与商业银行不断融合,对商业银行风险控制技术约束产生了深刻影响,主要体现为银行风险承担行为转变。文章以2011~2020年89家商业银行的数据为样本,实证研究了数字普惠金融与我国商业银行风险承担之间的联系。研究结果表明:数字普惠金融和商业银行风险承担之间的关系是一种倒“U”型趋势,转折点为2017年。基于上述研究结果,文章从商业银行、市场和政府监管机构三个角度提出相应建议.

In recent years, the continuous integration of digital technology and commercial banks has had a profound impact on the technical constraints of commercial banks’ risk control, which is mainly reflected in the transformation of banks’ risk-taking behavior.Based on the data of 89 commercial banks from 2011 to 2020,this paper empirically studies the relationship between digital inclusive finance and risk-taking of commercial banks in China.The results show that the relationship between digital inclusive finance and risk-taking of commercial banks is an inverted “U” trend, and the turning point is 2017.Based on the above research results, this paper puts forward corresponding suggestions from the perspective of commercial banks, the market and government regulators.