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金融科技监管和银行承担风险:来自中国的证据
Zhenlun Wu1, Lisha Li1, Bo Wang1
1School of Finance, Southwestern University of Finance and Economics, Chengdu, Sichuan, China.
PloS one
|October 17, 2024
概括
中国的金融技术监管加强了银行融资,并通过改善存款特许经营权来减少风险承担. 这种监管方法有利于拥有强资本和较小运营规模的银行,增强金融系统的稳定性.
科学领域:
- 金融经济学 金融经济学
- 监管经济学 监管经济学
- 银行学研究 银行学研究
背景情况:
- 金融技术 (FinTech) 的快速增长带来了监管挑战.
- 了解金融技术监管对传统银行业的影响对于金融稳定至关重要.
研究的目的:
- 调查金融科技监管对银行风险行为造成的因果关系.
- 分析金融科技监管如何影响银行的融资结构和流动性.
主要方法:
- 使用中国2016年金融科技监管政策作为外来冲击的差异差异 (DiD) 识别策略.
- 三重差异分析,以探索跨银行特征的异质效应.
主要成果:
- 金融科技监管显著提高了银行存款特许权和融资流动性.
- 改进的存款特许经营权,作为稳定的融资来源,减少了银行承担过度风险的激励.
- 监管不成比例地有利于拥有较高资本缓冲和较小规模的银行.
结论:
- 金融技术监管可以通过减少银行承担风险,对正式金融系统产生积极影响.
- 解决有关新兴金融实体的监管差距对于系统金融健康至关重要.
- 该研究强调了针对不同银行部门量身定制的监管方法的重要性.
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