金融科技对商业银行操作风险的影响研究——基于技术溢出效应视角

Research on the Impact of Fintech on the Operational Risks of Commercial Banks——From the Perspective of the Technology Spillover Effect

本文基于2011—2021年16家A股上市银行面板数据进行实证检验,研究发现:(1)从技术溢出效应角度来看,金融科技对商业银行操作风险的影响呈倒“U”型,即在金融科技发展初期,金融科技加重了商业银行操作风险管理负担,但随着金融科技水平的逐渐成熟,金融科技能够节约金融服务成本,减轻商业银行管控操作风险的压力;(2)金融科技对操作风险的影响效果会因商业银行规模不同而有所差异,相比中小型商业银行,大型商业银行对操作风险的影响效果更加显著。

Based on the panel data of 16 A-share listed banks from 2011 to 2021,this paper conducts empirical tests and finds that:1)from the perspective of the technology spillover ffct the impact of fintech on the operational risks of commercial banks is inverted"U",that is,in the early stage of the development of fintech,fintech has increased the burden of operational risk management of commercial banks,but with the gradual maturity of fintech level,fintech can save the costs of fnancial services and reduce the pressure of commercial banks'operational risk control;2)the efect of fintech on operational risks varies according to the scale of commercial banks,and compared with the effect of small and medium-sized commercial banks,the effect of large commercial banks on operational risks is more significant.