金融学院知识库

      金融科技成果应用于商业银行的经营活动中能够有效弥补传统银行业的业务短板，降低商业银行的交易成本。但是，也要注意到科学技术的一次次变革给西部地区商业银行带来了强大冲击。因此，研究金融科技对西部地区商业银行风险承担的影响具有重要意义。

      本文内容主要分为五个部分：第一部分阐明本文的研究背景与意义，为全文的研究构建一个完整的框架。第二部分探讨了我国金融科技发展的特点，并对相关理论基础进行了分析。第三部分首先描述了我国金融科技的发展状况。截止目前为止，我国金融科技发展共经历了三个阶段，并呈现出融资规模不断扩大、地区差异明显、合作加强的趋势。其次，分别从正面效应和负面效应两个不同角度出发，分析金融科技对国内西部地区商业银行风险承担的影响。第四部分为实证部分，通过 Wind 数据库和各家商业银行年报搜集28家商业银行2012年-2019年的数据，参考已有文献选取合适的控制变量构建面板数据，并通过对实证结果的整理和分析给出研究结论：金融科技发展与我国西部地区商业银行风险承担之间存在着倒U型的关系。即在发展前期，金融科技对我国西部地区商业银行的经营产生了冲击，加重了商业银行的风险承担。随着金融与科技的不断融合助推了商业银行业务创新，使其风险承担逐步降低。第五部分为研究结论和启示。金融科技的发展对我国西部地区商业银行来说是一把“双刃剑”。因此，商业银行在提高盈利能力的同时应该积极转变发展战略，主动运用高新技术发挥差异化的竞争优势，增强风险管理能力，实现自身的长期稳健发展。

    The achievements of Fintech are applied to the activities of commercial banks, which can effectively offset the short operating fees of traditional banks and reduce the operating costs of commercial banks. However, it should also be noted that the constant changes in science and technology have brought a strong influence on commercial banks of the western regions. Thus, it is important to study the impact of Fintech on the risks of commercial banks in western China.

    The content of this research is divided into five sections:The first part clarifies the research background and significance of this paper,and constructs a complete framework for research in general.The second section discusses the features of the development of Fintech in China.In addition, the theoretical framework related to Fintech is analyzed. The third part describes the current state of Fintech development in China. To date,Fintech development in china has gone through three stages, along with a trend towards increased funding, notable regional differences and stronger cooperation.secondly,this paper analyzes the impact of Fintech on the risk-taking of commercial banks in western region from two different perspectives ,both positive and negative.The fourth section is the empirical analysis.It collects the data of 28 commercial banks from 2012-2019 through the Wind database and the annual reports of various commercial banks,According to the existing literature,appropriate control variables were selected to construct panel data,and research conclusions were drawn by sorting out and analyzing the empirical results:The development of Fintech has an inverted relationship with commercial bank in the western region of China.In other words,the initial development of Fintech has an impact on the operation of commercial banks in China,which increases the risk taking of commercial banks.With the continuous integration of finance and technology,commercial banks have promoted their innovation,and gradually reduced their risk exposure.The fifth section is the research conclusion and enlightenment. The development of Fintech is a double-edged sword for commercial banks in western China.Therefore,while improving their profitability,commercial banks should actively change their development strategies, take the initiative to use Fintech to play the the competitive advantages of differentiation,enhance their risk management capabilities, and realize their long-term and steady development.