网络技术支出对银行稳定有影响吗?
Md Hamid Uddin1, Sabur Mollah2, Md Hakim Ali3
1The University of Southampton - Malaysia Campus, Taylor's University, Malaysia.
概括
对网络技术的过度支出可能会损害银行稳定. 超过一定的门,对颠覆性数字化转型的投资增加会导致全球金融机构的回报率下降和风险增加.
科学领域:
- 金融经济学 金融经济学
- 信息系统信息系统信息系统
- 风险管理 风险管理
背景情况:
- 全球金融危机 (GFC) 促使银行采用网络技术以获得竞争优势.
- 虽然网络技术提高了效率,但它增加了对网络安全威胁的脆弱性,需要进行战略投资.
- 银行在利用网络技术和管理相关的网络安全风险之间面临着关键的平衡.
研究的目的:
- 调查颠覆性数字化转型对银行稳定的影响.
- 检查银行部门对网络技术的过度支出所涉及的边际回报递减定律.
- 确定网络技术支出对银行稳定产生不利影响的门.
主要方法:
- 分析了包括43个国家的银行在内的全球数据集.
- 实证检查网络技术支出与银行稳定之间的关系.
- 识别技术制度,特别是降低和增加回报.
主要成果:
- 超过特定门的网络技术支出会对银行稳定产生负面影响.
- 银行承担不成比例地更高的风险,为每一个额外的美元花在CyberTech后门.
- 确定了两种不同的技术制度:降低回报率 (提高稳定性) 和增加回报率 (降低稳定性).
结论:
- 对网络技术的过度支出可能会破坏银行稳定性,因为风险暴露的增加.
- 银行必须战略性地管理网络技术投资,以避免边际回报率下降的不利影响.
- 这些发现为银行业可持续的网络技术支出和网络安全策略提供了关键的见解.
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