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Research On The Impact Of Fin Tech On Credit Risk Of Listed Commercial Banks In China

Posted on:2021-02-16Degree:MasterType:Thesis
Country:ChinaCandidate:J S ZhangFull Text:PDF
GTID:2439330647950308Subject:Finance
Abstract/Summary:PDF Full Text Request
In recent years,fintech has become the focus of society.The development of financial technology is reshaping the financial industry,and the original competition boundaries and competition pattern between industries may be broken.The new products and technologies brought by the technological revolution will also lead the bank's change and innovation,and drive the overall industry development.In the new wave of technological transformation,China's commercial banks are working hard to improve their own strength,and at the same time,they have strengthened cooperation with external Internet companies and other companies to seize the enthusiasm of fintech.Commercial banks in China are accelerating their deployment and development in various fields such as payment settlement and wealth management.The application of various core technologies of fintech has greatly changed the credit risk level of China's commercial banks,and has greatly affected the credit risk management of our commercial banks.For commercial banks,preventing and managing credit risk is one of their priorities.Therefore,from the perspective of theory and reality,it is of great significance to study the impact of fintech on the credit risk level of listed commercial banks in China.On the basis of reviewing and summarizing relevant literature and theories,this paper studies the impact of financial technology development on credit risk of listed commercial banks in China.It is mainly carried out from two parts,theoretical research and empirical research.First,theoretical analysis is performed.This part mainly contains some related concepts and influence mechanisms.Next,we conduct empirical research.This part includes the construction of core explanatory variables and the use of SYSGMM method to test the impact of fintech on credit risk management.The research methods mainly used in this paper include literature research method,descriptive statistical analysis method and empirical research method.This article consists of four chapters.The first is the introduction,which points out the research background and significance of this article,as well as the research ideas,methods,content and possible innovations and deficiencies.The literature review section summarizes relevant literature on fintech and credit risk.The second part is the theoretical analysis framework,including the concept and development history of fintech and the concept of credit risk,the mechanism by which fintech affects the credit risk level of commercial banks,and some related theories.The third part is an empirical test of the impact of Fin Tech on the credit risk level of listed commercial banks.First,the text mining method and principal component analysis method were used to construct a fintech index to measure the level of fintech development,and then a model was built to perform a regression analysis on panel data of listed commercial banks from 2009 to 2018,researching the impact of fintech on credit risk level of commercial banks.The fourth part is the research conclusions and policy recommendations.Based on the previous theoretical basis and empirical research,the conclusions of this article are reached.Then,some suggestions are put forward for listed commercial banks and regulatory authorities combined with the actual situation in China.
Keywords/Search Tags:Fin Tech, Listed Commercial Bank, Credit Risk
PDF Full Text Request
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