Abstract
We examine the impact of FinTech adoption on bank risk-taking. Applying the instrumental variable panel quantile regression (IV-QRPD) approach to the data of 160 Chinese commercial banks over the period of 2011–2020, we provide fresh evidence on the quantile-varying relation between FinTech adoption and bank risk-taking. We show that FinTech adoption increases bank risk-taking in low and middle quantiles but reduces bank risk-taking in high quantiles. We further find that this quantile-varying impact works through the efficiency-enhancing, gamble for resurrection, and credit expansion channels.
| Original language | English |
|---|---|
| Pages (from-to) | 594-602 |
| Number of pages | 9 |
| Journal | Applied Economics Letters |
| Volume | 31 |
| Issue number | 7 |
| DOIs | |
| State | Published - 2024 |
Keywords
- China
- FinTech
- bank risk-taking
- panel quantile regression
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