金融科技对商业银行流动性风险的影响研究
Research on the Impact of Financial Technology on the Liquidity Risk of Commercial Banks

近年来，在互联网技术不断提升的背景下，金融科技的应用越来越广泛，我国商业银行在应对流动性风险管理时，也因此面临着更多新的挑战。因此，本文的目的是研究金融科技对我国商业银行的流动性风险所造成的影响，并利用我国13家上市商业银行2015~2021年的面板数据来建立固定效应模型，以便进行实证检验。研究表明，随着金融科技的迅速发展，我国商业银行面临的流动性风险将会更加严峻。这对进一步健全商业银行的流动性风险管理制度具有重大意义。
In recent years, under the background of the continuous improvement of Internet technology, the application of financial technology is becoming more and more widespread, and the liquidity risk management of commercial banks in China is facing new challenges. Therefore, this paper tries to analyze how the financial technology affects the liquidity risk of our commercial banks and establish a fixed effect model based on panel data of 13 listed commercial banks from 2015 to 2021. The result shows that the rapid development of financial technology will cause the liquidity risk of our commercial banks to increase. This is very important for commercial banks to improve the risk management system.