联系我们

论文查询结果	返回搜索

论文编号：	14666
作者编号：	2120223687
上传时间：	2024/6/5 19:12:56
中文题目：	金融科技对商业银行风险承担的影响研究
英文题目：	Research on the Impact of Financial Technology on Commercial Banks’ Risk-taking
指导老师：	王曼舒
中文关键字：	金融科技；商业银行；风险承担
英文关键字：	Financial technology; Commercial banks; Risk taking
中文摘要：	21世纪以来，金融科技发展迅速，伴随着新一轮科技革命的展开，互联网、大数据等信息技术逐渐与传统金融业务深度融合，促进了金融科技的蓬勃发展。金融以自身需求为导向，依托先进技术，为消费者提供创新性的金融服务和解决方案。对于商业银行来说，金融科技是把“双刃剑”。一方面，金融科技推动着商业银行数字化转型发展。依托先进的技术手段，商业银行能够有效整合金融资源，开展金融创新，提高自身经营效率和风控能力；另一方面，金融科技公司的快速发展也在冲击着传统银行业，以其低成本的商业模式和突出的技术优势挤压商业银行的利润空间，使得商业银行的经营面临的风险更为复杂多变。 本文以“金融+科技”二者的深度融合为时代背景，以国家金融科技发展规划为政策背景，以银行业积极投入探索金融科技发展道路为行业背景，考察金融科技如何影响商业银行风险承担。本文选取了中国41家上市商业银行2010-2022年的数据，主要采用实证分析的方法进行研究，具体章节安排如下。第一章介绍了金融科技的发展背景，并梳理了本文的研究思路和内容。第二章首先对相关概念进行了界定，然后围绕二者之间的关系以及测度方法进行了文献回顾。第三章对相关理论进行了阐述，并以此进行理论推演并提出研究假设。第四章为实证分析部分，采用文本挖掘法，以商业银行年报中金融科技关键词的频率为基础构建了商业银行个体层面的金融科技指数，实证检验金融科技与商业银行风险承担的关系，探究了银行竞争在其中起的中介作用，并从银行性质、资产规模和资本充足率三个方面探究了金融科技对银行风险影响的异质性。第五章总结了本文的研究结论，提出了政策建议，并明确了未来的研究方向。 本文的主要结论如下：首先，金融科技与商业银行风险承担之间呈负相关关系，金融科技从业务赋能、风险控制和经营效率三个方面降低了银行的风险承担水平。其次，市场竞争在金融科技对商业银行风险承担的影响中发挥了中介作用，金融科技从外部金融科技公司的挤压和商业银行内部金融科技手段的赋能两个方向加剧了商业银行的市场竞争程度。此外，根据异质性检验结果，金融科技对农村商业银行、资产规模更小和资本充足率更高的商业银行来说，风险降低的效果更为明显。
英文摘要：	Since the 21st century, financial technology has developed rapidly. With the launch of a new round of scientific and technological revolution, information technologies such as the Internet and big data have gradually been deeply integrated with traditional financial businesses, promoting the vigorous development of financial technology. Finance is guided by its own needs and relies on advanced technology to provide consumers with innovative financial services and solutions. For commercial banks, financial technology is a double-edged sword. On the one hand, financial technology is driving the digital transformation and development of commercial banks. By relying on advanced technological means, commercial banks can effectively integrate financial resources, carry out financial innovation, and improve their operational efficiency and risk control capabilities; On the other hand, the rapid development of fintech companies is also impacting the traditional banking industry, squeezing the profit margins of commercial banks with their low-cost business models and outstanding technological advantages, making the risks faced by commercial banks more complex and variable. This article takes the deep integration of "finance+technology" as the background of the times, the national financial technology development plan as the policy background, and the active investment of the banking industry in exploring the path of financial technology development as the industry background, examining how financial technology affects the risk-taking of commercial banks. This article selects data from 41 listed commercial banks in China from 2010 to 2022, mainly using empirical analysis methods for research. The specific chapters are arranged as follows. The first chapter introduces the development background of financial technology and outlines the research ideas and content of this article. Chapter 2 first defines the relevant concepts, and then conducts a literature review around the relationship and measurement methods between the two. Chapter 3 elaborates on relevant theories and uses them for theoretical deduction and proposes research hypotheses. Chapter 4 is the empirical analysis section, which uses text mining method to construct a fintech index at the individual level of commercial banks based on the frequency of fintech keywords in their annual reports. It empirically tests the relationship between fintech and commercial bank risk-taking, explores the intermediary role of bank competition, and explores the heterogeneity of the impact of fintech on bank risk from three aspects: bank nature, asset size, and capital adequacy ratio. Chapter 5 summarizes the research conclusions of this article, proposes policy recommendations, and clarifies future research directions. The main conclusion of this article is as follows: Firstly, there is a negative correlation between financial technology and commercial bank risk-taking. Financial technology reduces the level of bank risk-taking from three aspects: business empowerment, risk control, and operational efficiency. Secondly, market competition plays an intermediary role in the impact of financial technology on the risk-taking of commercial banks. Financial technology intensifies the degree of market competition in commercial banks from two directions: external pressure from financial technology companies and internal empowerment of financial technology means within commercial banks. In addition, according to the results of heterogeneity testing, fintech has a more significant risk reduction effect on rural commercial banks, smaller asset sizes, and higher capital adequacy ratio commercial banks.
查看全文：	预览  下载(下载需要进行登录)