摘要
随着金融科技的快速发展以及数字经济与生活的日益融合,数字金融正在成为当今世界的一大趋势。相比于其他传统的金融方式,数字金融具有更高效和便利的特点,但是也不乏出现一些风险问题。其中存在的问题不光对数字金融的发展自身构成威胁,同时也对整个金融体系的稳定性产生了一定影响。本文选取2011-2020年的商业银行相关数据作为研究样本,拟研究数字金融发展对银行风险承担的影响机制。研究发现,数字金融发展会增加银行风险承担水平。因此商业银行应该考虑在现有数字金融发展状况下,明确对应银行规模的发展方向,以更好的迎接数字金融浪潮。
With the rapid development of technology and the increasing integration of life,digital finance is becoming a major trend in the world today.Compared to other traditional financial methods,digital finance has the characteristics of being more efficient and convenient,but there are also some risk issues that may arise.The problems that exist not only pose a threat to the development of digital finance itself,but also have a certain impact on the stability of the entire financial system.This article selects bank related data from 2011 to 2020 as the research sample to study the impact mechanism of digital finance development on bank risk taking.Research has found that the development of digital finance will increase the level of bank risk taking.Therefore,banks should consider the current development status of digital finance in order to better welcome the wave of digital finance.
作者
林梁俨
李佳
Liangyan Lin;Jia Li(Business School,University of Shanghai for Science and Technology,Shanghai,200093,China)
关键词
数字金融
商业银行
风险承担
Digital Finance
Commercial Bank
Risk Taking
