互联网发展对银行信贷质量的影响研究  

Research on the impact of Internet development on bank credit quality

作　　者：何美玲 钟雨欣 HE Meiling;ZHONG Yuxin(School of Economics,Nanjing University of Posts and Telecommunications,Nanjing 210023,China)

机构地区：[1]南京邮电大学经济学院,江苏南京210023

出　　处：《南京邮电大学学报（社会科学版）》2023年第1期93-102,共10页Journal of Nanjing University of Posts and Telecommunications(Social Science Edition)

基　　金：教育部人文社科一般项目“金融-实体利润分享比例变动条件下经济增长率变动规律研究”(21YJC790042);江苏高校哲学社会科学研究一般项目“经济金融化对实体经济高质量发展影响的研究”(2021SJA0096)。

摘　　要：互联网发展给银行信贷资产质量管理带来了全新机遇。将互联网发展、信息不对称和银行信贷质量纳入分析框架,从事前和事后两方面详细论证互联网发展减少银行与借款人之间信息不对称的机制和效果。结果发现,互联网发展能够提升银行资产质量,有助于控制信贷风险。互联网发展不仅提高了银行与借款人之间事前沟通的频次,还在事后增强了银行贷款的监督调整能力。除此之外,由互联网催生的数字普惠金融对银行信贷质量有正向溢出作用,这是互联网发展影响银行信贷质量的间接机制。The development of the Internet has brought new opportunities to bank credit asset quality management.Take the development of the Internet,information asymmetry and bank credit quality into the analysis framework,and demonstrate in detail the mechanism and effect of the Internet development in reducing the information asymmetry between banks and borrowers from both pre-and post-event aspects.The result shows that the development of the Internet can improve the quality of bank assets and help control credit risk.The development of the Internet not only increases the frequency of search and communication between banks and borrowers in advance,but also strengthens the supervision and adjustment ability of bank loans afterwards.In addition,the digital inclusive finance generated by the Internet has a positive spillover effect on bank credit quality,which is an indirect mechanism for the Internet development to improve credit quality.

关 键 词：互联网发展 信息不对称 信贷质量 数字普惠金融 

分 类 号：F270[经济管理—企业管理] F832.5[经济管理—国民经济]