金融科技和金融不稳定. 这一次有什么不同吗?
概括
金融技术 (FinTech) 的创新,特别是在支付和贷款方面,引入了系统性风险,如银行运行和流动性问题. 在线交易应用程序也增加了市场波动,引发了金融不稳定的担忧.
科学领域:
- 经济学 经济学 经济学
- 金融技术 (金融科技)
- 系统风险分析 系统风险分析
背景情况:
- 金融技术的快速增长,包括金融服务中的数字技术,需要对其经济影响进行审查.
- 重点领域包括支付和贷款平台,数字资产管理和在线交易应用程序.
研究的目的:
- 分析金融科技的发展,并确定相关的系统性风险.
- 评估金融科技银行模型中的资产负债表相互作用.
- 从拉丁美洲和美国的现场工作中提供经验性见解.
主要方法:
- 混合方法方法结合了理论分析和经验实地研究.
- 关于金融科技银行资产负债表相互作用的理论练习.
- 在拉丁美洲和美国进行的实地调查.
主要成果:
- 关于金融科技支付和贷款平台的系统风险现有文献的验证.
- 确定的风险包括银行运行概率,现有银行流动性风险增加,不稳定的贷款和货币政策效率受损.
- 在线资产管理和交易应用程序的风险是由于新投资者参与,金融市场波动性增加.
结论:
- 尽管目前规模庞大,金融科技行业却潜藏着金融不稳定的潜力.
- 从最近的金融历史中吸取的经验教训对于理解新出现的金融科技风险很重要.
- 积极的风险管理和监管监督对于可持续的金融技术发展至关重要.
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