新兴市场经济中的金融技术和银行稳定性
Rizky Yudaruddin1, Wahyoe Soedarmono2, Bramantyo Adi Nugroho3
1Mulawarman University, Samarinda, Indonesia.
Heliyon
|May 30, 2023
概括
金融技术 (FinTech) 公司提高了印度尼西亚的银行稳定性. 小型和非上市银行特别受益,显示风险降低和资本比率改善,更多的金融科技存在.
科学领域:
- 银行和金融服务行业.
- 经济发展 经济发展
- 技术创新技术创新技术创新
背景情况:
- 印度尼西亚的银行业经历了显著的增长和转型.
- 金融技术 (FinTech) 的兴起为传统金融机构带来了机遇和挑战.
- 对于决策者和行业利益相关者来说,了解金融科技与银行稳定之间的相互作用至关重要.
研究的目的:
- 调查金融技术 (FinTech) 公司对印尼银行稳定性的影响.
- 确定金融科技公司的类型或银行稳定性的测量是否影响了这一影响.
- 检查金融科技对小型与大型银行,上市与非上市银行的差异性影响.
主要方法:
- 在2004年至2018年期间,分析了印尼141家银行的样本.
- 以计经济学建模来评估金融科技公司的存在与银行稳定性指标之间的关系.
- 基于银行规模和上市状态的分析细分.
主要成果:
- 金融科技公司数量的增加与各种措施的银行稳定性增强有关.
- 这种积极的影响不论涉及到哪种特定类型的金融科技公司都是如此.
- 小银行和非上市银行显示出更明显的好处,其特点是风险较低,资本比率较高.
结论:
- 金融技术的发展可以成为印尼整体金融稳定的积极力量.
- 金融技术的好处对于小型和非上市银行机构来说尤其重要.
- 鼓励金融技术整合的政策可能会支持更具弹性和稳定的银行业,特别是对脆弱的银行部门.
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