金融科技对商业银行信贷风险的影响研究——基于我国43家商业银行的实证研究
The Impact of Fintech Development on the Credit Risk Taking of Commercial Banks—Based on the Empirical Study of 43 Commercial Banks in China

最近几年，中国的商业银行都在加大投资金融科技的力度，致力于开发创新的金融科技产品和服务，提高金融科技的应用水平和能力，以此来应对金融科技带来的挑战。为了研究金融科技对商业银行的影响，本文参考其他学者的研究，以我国43家商业银行为研究样本做实证分析。研究表明：1) 金融科技对商业银行风险的影响呈现先升后降的倒“U”型趋势。起初金融科技会加剧商业银行风险，随着金融科技的成熟发展以及商业银行的应对政策，后期将降低其风险承担。2) 金融科技对不同类型的商业银行风险承担水平具有异质性。相对城商银行而言，金融科技对农商银行风险承担的影响更加明显。基于研究结论，本文为金融科技与商业银行的相互促进提出一些建议。
In recent years, commercial banks in China have increased their investment in financial technology and vigorously developed innovative financial technology products and services to enhance their application capabilities and levels of financial technology, in response to challenges from Internet finance. In order to study the impact of financial technology on commercial banks, this article refers to the research of other scholars, and conducts empirical analysis with 43 commercial banks in China as the research sample. The study found that: 1) The impact of financial technology on the risk-taking of commercial banks shows a reverse “U”-shaped trend of first rising and then falling. Financial technology will exacerbate the risk-taking of commercial banks in the initial stage, and then reduce their risk-taking as financial technology matures and commercial banks adopt corresponding policies. 2) Financial technology has heterogeneity in its impact on the risk-taking levels of different types of commercial banks. Compared with rural commercial banks, the impact of financial technology on the risk-taking of urban commercial banks is more robust. Based on the research conclusions, some suggestions are put forward for the integration and development of financial technology and commercial banks.