摘要
论文利用2010-2020年980家农村金融机构的样本数据以及县域地理单元的气温等数据,探究气候变化冲击下农村金融机构发展金融科技对风险的影响。结果发现:第一,气候变化显著提升了农村金融机构风险;第二,发展金融科技能够缓解气候变化对农村金融机构风险的负向冲击,其作用机制为农村金融机构发展金融科技能够提升风险管理能力和盈利能力,从而有效应对气候风险;第三,异质性分析结果表明,农村金融机构的资产规模越大、资本充足率越高、所在地区经济越发达,发展金融科技越能够缓解气候变化所导致的金融风险。对于农村金融机构资金配置的进一步分析表明,当地气候变化越剧烈,农村金融机构在本地的资金投放越少,但是发展金融科技有助于促使农村金融机构回归本源,增加对本地的资金支持。因此建议,农村金融机构加强气候风险管理,加快数字化转型,拓展应对措施;金融监管部门加强政策引导,加快健全气候风险管理机制。
This article uses sample data from 980 rural financial institutions from 2010 to 2020,as well as temperature data from county-level geographical units,to explore the impact of climate change on the development of fintech in rural financial institutions and its impact on risk.The results show that:firstly,climate change significantly increased the risk of rural financial institutions;Secondly,the advancement of fintech can help mitigate the adverse effects of climate change on rural financial institutions,and its mechanism is that the development of fintech in rural financial institutions can enhance their risk management and profitability,thereby effectively addressing climate risks;Thirdly,heterogeneity analysis indicates that the larger the asset size,higher the capital adequacy ratio,and the more developed the local economy of rural financial institutions,the more they can alleviate financial risks caused by climate change through the development of fintech.Further analysis of the funding allocation of rural financial institutions shows that as local climate change intensifies,rural financial institutions invest less funds locally.However,the development of fintech can help promote rural financial institutions to return to their roots and increase financial support for the local area.Therefore,rural financial institutions should strengthen climate risk management,accelerate digital transformation,and expand response measures;Financial regulatory authorities should strengthen policy guidance and accelerate the improvement of climate risk management mechanisms.
作者
周月书
单楠
亓浩
ZHOU Yue-shu;SHAN Nan;QI Hao
出处
《农村金融研究》
北大核心
2024年第9期3-18,共16页
Rural Finance Research
基金
国家自然科学基金面上项目“数字化农业产业链金融运行机制与风险治理研究”(编号:72173064)
国家自然科学基金青年项目“农村金融机构数字化转型的普惠效应、作用机理与路径优化研究”(编号:72203097)
中央高校基本科研业务费专项(编号:2024SKCX012)的阶段性研究成果。
关键词
气候变化
金融科技
农村金融机构
Climate Change
Fintech
Rural Financial Institutions