数字技术发展对银行物流金融业务风险的影响——基于普惠金融角度  

The Influence of the Development of Digital Technology on the Risk of Bank Logistics Finance Business——Based on the Inclusive Finance Perspective

作　　者：李佳欢 LI Jia-huan(School of Economics,Guizhou University,Guiyang 550025,China)

机构地区：[1]贵州大学经济学院,贵州贵阳550025

出　　处：《物流工程与管理》2020年第9期70-72,共3页Logistics Engineering and Management

摘　　要：数字技术促进了银行物流金融业务的快速发展,但也在一定程度上给银行带来了新的风险,这些风险与传统金融模式相比有较大的差异性。文中利用2011-2017年32家银行的年报数据和北京大学数字金融研究中心构建的数字金融普惠指数,从普惠金融的角度探究数字技术发展对银行物流金融业务风险的影响,发现数字技术的发展会影响银行物流金融业务的流动性风险和信用风险。Digital technology promotes the rapid development of Banks’ logistics and financial services,but also brings new risks to Banks to some extent,which are greatly different from traditional financial models. This article uses the annual report data of 32 banks from 2011 to 2017 and the digital financial inclusion index constructed by the Peking University Digital Finance Research Center to explore the impact of digital technology development on the risk of bank logistics financial business from the perspective of inclusive finance. It is found that the development of digital technology will affect the liquidity risk and credit risk of bank logistics financial business.

关 键 词：数字技术 普惠金融 物流金融 银行风险 

分 类 号：F250[经济管理—国民经济]