金融科技对商业银行资产质量的影响研究
Research on the Impact of Fintech on Asset Quality of Commercial Banks

金融科技已经融入商业银行的日常经营活动，是影响商业银行资产质量的重要因素。本文选取2013~2022年商业银行相关数据为研究样本，通过实证分析金融科技与商业银行资产质量的相关关系，探讨金融科技对商业银行资产质量的影响机制。结果发现，金融科技水平与商业银行资产质量呈现先抑制后促进的“U”型关系，整体上看我国商业银行目前处在金融科技改善商业银行资产质量的阶段。基于研究结果，本文提出一些建议，商业银行应该加快银行数字化转型，积极布局金融科技领域，以增强自身的资产质量。
Fintech has been integrated into the daily business activities of commercial banks and is an important factor affecting the asset quality of commercial banks. This paper selects the relevant data of commercial banks from 2013 to 2022 as the research sample, empirically analyzes the correlation between fintech and commercial banks’ asset quality, and explores the influence mechanism of fintech on commercial banks’ asset quality. It is found that the level of fintech and commercial bank asset quality present a U-shaped relationship of inhibition followed by promotion, and on the whole, China’s commercial banks are now in the stage where fintech improves the asset quality of commercial banks. Based on the results of the study, this paper puts forward some suggestions that commercial banks should accelerate the digital transformation of banks and actively layout the field of fintech in order to enhance their asset quality.