金融科技发展对商业银行信贷供给的影响——市场竞争和技术赋能的视角  

Impact of FinTech Development on Bank Credit Supply of Commercial Banks:The Perspective of Market Competition and Technology Empowerment

作　　者：董晓林[1] 熊健[2,3] 张晔 DONG Xiaolin;XIONG Jian;ZHANG Ye(Nanjing Agricultural University,Nanjing 210095;Nanjing University,Nanjing 210093;Bank of Nanjing,Nanjing 210019;Shanghai Rural Revitalization Research Center,Shanghai 200002)

机构地区：[1]南京农业大学,江苏南京210095 [2]南京大学,江苏南京210093 [3]南京银行,江苏南京210019 [4]上海市乡村振兴研究中心,上海200002

出　　处：《财贸研究》2023年第12期51-63,共13页Finance and Trade Research

基　　金：国家自然科学基金项目“金融科技背景下农村金融机构数字化发展机制与普惠效应研究”(72073067),“中国农村数字金融的发展机制和效应:基于实验经济的研究”(71973064)。

摘　　要：基于2011—2019年中国171家商业银行数据,从市场竞争和技术赋能的视角出发,分析并检验金融科技发展对银行信贷供给的影响。研究发现:金融科技发展显著促进银行信贷供给增加,且通过市场竞争和技术赋能两个渠道对银行信贷供给起促进作用。相较于地方性、小规模银行,金融科技发展对全国性、大规模银行信贷供给的促进作用更大;金融科技发展对高经济发展水平地区银行信贷供给有显著促进作用,而对低经济发展水平地区银行信贷供给的促进作用不明显。Based on the data of 171 commercial banks in China from 2011 to 2019,this article analyzes and examines the impact of FinTech development on bank credit supply from the perspectives of market competition and technology empowerment.The study has found that the development of Fintech has significantly promoted the increase of bank credit supply,and promoted the supply of bank credit through two channels:market competition and technology empowerment.Compared with local,small-scale banks,the development of Fintech has a greater role in promoting the credit supply of national and large-scale banks.The development of Fintech has a significant promoting effect on bank credit supply in regions with high levels of economic development,while the promoting effect on bank credit supply in regions with low levels of economic development is not obvious.

关 键 词：金融科技 银行信贷 市场竞争 技术赋能 

分 类 号：F832[经济管理—金融学]