金融科技对商业银行风险承担的影响——基于商业银行信贷结构的视角

通过构建金融科技发展指数，并基于2013~2019年上市银行面板数据进行实证分析，探讨金融科技与商业银行融合发展之间的关系。研究结果表明：（1）金融科技与商业银行融合发展有利于降低商业银行风险承担。（2）不同商业银行应用金融科技效果存在显著差异，与国有商业银行相比，其他股份制商业银行应用金融科技缓释风险承担的效果更明显。（3）金融科技应用于不同信贷结构，对商业银行风险承担的影响和偏好具有显著差异性，国有商业银行偏好借助金融科技调整贷款担保结构缓释风险承担，而其他商业银行偏好借助金融科技调整贷款期限结构缓释风险承担。研究结论对金融科技与商业银行深度融合、优化信贷结构、缓释风险承担提供了重要启示。

The impact of financial technology on commercial banks' risk-taking-From the perspective of credit structure of commercial banks

The integrated development of financial technology and commercial banks has attracted extensive attention from all walks of life in recent years, but the research on the relationship between financial technology, credit structure and risk-taking of commercial banks is not sufficient. Therefore, this paper manually collects some data of Baidu search index and listed banks, constructs the financial technology development index, makes an empirical analysis based on the panel data of listed banks from 2013 to 2019, and discusses the relationship between the three. The results show that:(1) the integrated development of financial technology and commercial banks is conducive to reducing the risk-taking of commercial banks(2) There are significant differences in the effect of applying financial technology in different commercial banks. Compared with state-owned commercial banks, the effect of other joint-stock commercial banks applying financial technology to mitigate risk is more obvious(3) The application of financial technology to different credit structures has significant differences in the impact and preference of commercial banks on risk-taking. State owned commercial banks prefer to adjust the loan guarantee structure with the help of financial technology to mitigate risk-taking, while other commercial banks prefer to adjust the loan term structure with the help of financial technology to mitigate risk-taking. The research conclusion of this paper provides important enlightenment for the deep integration of fintech and commercial banks, optimizing credit structure and mitigating risk.