金融科技对商业银行信用风险的影响研究

Research on the Impact of Financial Technology on the Credit Risk of Commercial Banks

利用71家银行数据从实证方面探究金融科技对商业银行信用风险产生的影响。分析发现,金融科技分别通过影响银行竞争环境和改善银行技术支持两个方面来影响商业银行,实证检验显示,总体上金融科技对银行外部竞争影响更大,应加快深入与金融科技的联合,促进银行业整体发展。

Based on the data of 71 banks, this thesis explores the impact of financial technology on the credit risk of commercial banks. The analysis shows that financial technology affects the credit risk of commercial banks by influencing the competitive environment of banks and improving the technical support of banks. The empirical test shows that financial technology has a greater impact on the external competition of banks. It is necessary to speed up the integration with financial technology to promote the overall development of the banking industry.