金融科技对商业银行经营绩效的影响——基于信贷风险的中介效应

Research on the Influence of Financial Technology on theBusiness Performance of Commercial Banks——Based on the Intermediary Effect of Credit Risk

金融科技的发展给商业银行带来了机会与挑战,影响到商业银行的信贷风险及经营绩效表现。选取2011—2020年27家上市商业银行作为研究样本,将金融科技、商业银行信贷风险和经营绩效放在同一框架内进行研究。结果表明:金融科技对商业银行经营绩效呈“U型”影响,金融科技对商业银行信贷风险呈“倒U型”影响,商业银行的信贷风险与经营绩效呈反向变动关系,信贷风险在金融科技对商业银行经营绩效的“U型”影响中存在部分中介效应。

The development of financial technology has brought opportunities and threats to commercial banks,affecting their credit risk and operating performance.In this paper,27 listed commercial banks from 2011 to 2020 are selected as research samples,and financial technology,commercial bank credit risk and operating performance are studied within the same framework.The results show that:(1)financial technology has a"U shaped"impact on the operating performance of commercial banks.(2)The impact of financial technology on credit risk of commercial banks is"inverted U shaped".(3)The relationship between credit risk and business performance of commercial banks is inversely changing.(4)Credit risk has a partial intermediary effect in the"U shaped"effect of financial technology on business performance of commercial banks.