金融学院知识库

近年来，我国金融科技在蓬勃发展，城市商业银行在意识到与金融科技合作的重要性后，也在逐步加大与金融科技的合作力度。一方面，金融科技通过应用大数据、云计算等先进技术手段，优化业务办理流程，为城市商业银行提供了更加便捷的和高效的服务。另一方面，城市商业银行目前的主营业务仍为吸储放贷，长期以来面临高不良贷款和高风险的挑战。因此，分析金融科技发展对城商行风险承担的影响，对缓释城市商业银行金融风险、打赢防范化解金融风险攻坚战具有重要意义。

本文的研究内容主要包括三个部分。首先，通过对现有文献的梳理和理论分析，探讨了金融科技发展对城商行风险承担的影响。其次，以图表的方式对城市商业银行发展金融科技进行了现状分析。然后选取了36家城商行2012—2021年的年度数据，进行实证检验。实证研究主要包括以下步骤：第一步建立基准回归模型，分析金融科技发展是否加剧城商行风险承担；第二步从地区分布、银行规模和盈利能力等角度进行异质性检验；第三步对实证结果进行稳健性检验。最终根据实证结果对商业银行提出对应的建议。

主要结论如下：（1）金融科技发展与不良贷款率之间呈正相关，即金融科技发展会加剧城商行风险承担。（2）存在区域异质性。即对于不同地区的城商行而言，东部地区金融科技发展与城商行风险承担之间关系显著，随着金融科技的发展，东部城商行的风险承担会增大，而西部、中部以及东北地区的金融科技发展对风险承担的影响并未显著观测到。（3）存在规模异质性。即对于规模较大的城商行而言，发展金融科技会降低其风险承担。（4）存在盈利能力异质性。即对于盈利能力较强的城商行而言，发展金融科技会降低其风险承担。

In recent years, the development of financial technology in China has been booming, and urban commercial banks have gradually increased their cooperation with financial technology after realizing its importance. On the one hand, through the application of advanced technologies such as big data and cloud computing, financial technology optimizes business processes and provides more convenient and efficient services for urban commercial banks. On the other hand, the main business of urban commercial banks is still deposit-taking and lending, which has long faced challenges of high non-performing loans and high risk. Therefore, analyzing the impact of financial technology development on the risk-bearing of city commercial banks is of great significance for mitigating financial risks of urban commercial banks and winning the battle of preventing and resolving financial risks.

The research content of this article mainly includes three parts. Firstly, through the review and theoretical analysis of existing literature, the impact of financial technology development on the risk-bearing of city commercial banks is discussed. Secondly, the development of financial technology in urban commercial banks is analyzed in the form of graphs. Finally, annual data from 36 city commercial banks from 2012 to 2021 were selected for empirical testing. The empirical research mainly includes the following steps: first, establish a benchmark regression model to analyze whether the development of financial technology in city commercial banks exacerbates their risk-bearing; then conduct heterogeneity tests from the perspectives of regional distribution, bank size, and profitability; finally, conduct robustness tests on the empirical results. Based on the empirical results, corresponding suggestions are put forward for commercial banks.

The main conclusions are as follows: (1) There is a positive correlation between the development of financial technology and the non-performing loan ratio, that is, the development of financial technology will exacerbate the risk-bearing of city commercial banks. (2) There is regional heterogeneity. That is, for city commercial banks in different regions, the relationship between the development of financial technology and the risk-bearing of city commercial banks in the eastern region is significant. With the development of financial technology, the risk-bearing of city commercial banks in the eastern region will increase, while the impact of the development of financial technology on risk-bearing in the western, central, and northeastern regions is not significant. (3) There is size heterogeneity. That is, for larger city commercial banks, the development of financial technology will reduce their risk-bearing. (4) There is profitability heterogeneity. That is, for city commercial banks with stronger profitability, the development of financial technology will reduce their risk-bearing