金融科技对商业银行风险承担的影响

The Impact of Fintech on the Risk-Taking of China’s Commercial Banks

基于2011~2021年36家商业银行面板数据,利用文本挖掘法构建金融科技指标,并采用固定效应模型实证分析金融科技的发展对商业银行风险承担的影响。研究结果表明:(1) 金融科技的快速发展与应用有利于降低商业银行的风险承担;(2) 金融科技发展对不同类型的商业银行风险承担的影响存在异质性,股份制银行和城商行的风险承担存在明显的负向效应,但对大型国有银行风险承担的影响效果并不显著。基于此,文章建议商业银行应充分利用金融科技发展机遇,通过运用新兴技术提升风控能力。为此,银行需要建立完善的制度体系,加强对金融科技的研究与应用,并强化风险管理机制。

Based on the panel data of 36 commercial banks from 2011 to 2021, the text mining method is used to construct fintech indicators, and the fixed-effect model is used to empirically analyze the impact of fintech development on the risk-taking of commercial banks. The results show that: (1) the rapid development and application of financial technology is conducive to reducing the risk- bearing of commercial banks. (2) There is heterogeneity in the impact of the development of financial technology on the risk-taking of different types of commercial banks, and there are ob-vious negative effects on the risk-taking of joint-stock banks and urban commercial banks, but the impact on the risk-taking of large state-owned banks is not significant. Based on this, the article suggests that commercial banks should make full use of the development opportunities of financial technology and improve their risk control capabilities by using emerging technologies. To this end, banks need to establish a sound institutional system, strengthen the research and application of financial technology, and strengthen the risk management mechanism.