[1]谭梦卓,朱顺和,陈建宁.金融科技发展视角下银行业务多元化对风险承担影响的实证研究[J].大众科技,2019,21(12):144-150.
 Impact of Bank Diversification on Risk-Taking: An Empirical Study fromFinancial Technology Development Perspective[J].Popular Science & Technology,2019,21(12):144-150.
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金融科技发展视角下银行业务多元化对风险承担影响的实证研究()
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《大众科技》[ISSN:1008-1151/CN:45-1235/N]

卷:
21
期数:
2019年12
页码:
144-150
栏目:
社会科学研究
出版日期:
2019-12-20

文章信息/Info

Title:
Impact of Bank Diversification on Risk-Taking: An Empirical Study fromFinancial Technology Development Perspective
作者:
谭梦卓1 朱顺和 1 陈建宁 2
(1.澳门科技大学商学院,澳门 999078;2.广西财经学院,广西 南宁 530001)
关键词:
银行业务多元化风险承担金融科技
Keywords:
bank diversification risk-taking financial technology
文献标志码:
A
摘要:
近年来,随着我国经济的快速发展、金融改革不断深化、利率市场化的推进、人民币国际化的加速,以及金融科技的高速发展,使得银行从传统的借贷利息差收入模式朝向多元化经营模式转变。其中,金融科技的发展对银行业经营发展影响尤为重大,不论在传统业务,还是非传统业务都造成极大冲击。因此,金融科技与银行业务的协同发展已成为银行业所关注的问题。文章采用 2011-2017 年的银行业数据,尝试探究金融科技视角下,银行业务多元化对风险承担的影响。实证结果表明,银行非利息收入占总收入比对风险承担有显著正向影响;银行多元化经营程度对风险承担有显著负向影响;其次,基于金融科技发展视角,资源配置指数、风险管理指数和技术基础指数会削弱非利息收入带来的风险,但信息传递指数会增加非利息收入带来的风险;金融科技发展对银行多元化经营程度的影响,进而对风险承担的影响均不显着。
Abstract:
In recent years, with rapid development of China’s economy, the deepening of financial reform, the advancement of interestrate liberalization, the acceleration of Renminbi internationalization, and the rapid development of financial technology (hereafter,FinTech), banks have recently transformed from conventional loan interest income models to diversified business models. Among those,the development of FinTech has a particularly significant impact on the operation and development of the banking industry. Both traditionaland non-traditional businesses have a great impact. Therefore, the coordinated development of FinTech and banking operations has becomea concern in the banking industry. This study uses 2011–2017 bank data to explore the impact of diversification of banking business onrisk-taking from the perspective of FinTech. The empirical results show that the ratio of non-interest income to total income has asignificant positive impact on risk bearing, whereas bank diversification degree has a negative and significant impact on risk-taking. Inaddition, from the perspective of fintech development, resource allocation index, risk management index and technology base index willweaken the risk brought by non-interest income, while information transmission index will increase the risk brought by non-interest income.The development of FinTech has an impact on the diversification degree of banks, and the effect on risk-taking was not significant.

参考文献/References:

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备注/Memo

备注/Memo:
【收稿日期】2019-08-15【基金项目】广西科技发展战略研究专项课题“广西科技金融制度体系建设研究”(桂科 ZL18077002);澳门科技大学科研项目(FRG-18-009-MSB)。【作者简介】谭梦卓(1994-),女,广西柳州人,澳门科技大学商学院,金融硕士;陈建宁(1973-),女,广西南宁人,广西财经学院高级会计师。【通信作者】朱顺和(1957-),男,台湾台北人,澳门科技大学商学院助理教授。
更新日期/Last Update: 2020-03-11