金融科技对商业银行信贷结构的影响研究  

Impact of Fintech on Credit Structure of Commercial Banks

作　　者：冯钰博 Feng Yubo(School of Economic and Management,Hubei University of Technology,Wuhan 430068)

机构地区：[1]湖北工业大学经济与管理学院,湖北武汉430068

出　　处：《中国商论》2024年第10期93-96,共4页China Journal of Commerce

摘　　要：近年来,金融科技发展给金融行业带来了深刻影响,同时为商业银行信贷结构调整提供了新的可能。本文基于2011—2021年中国95家商业银行的面板数据,从信用结构和行业结构两个角度探究金融科技对商业银行贷款结构的影响。结果表明,金融科技的发展能够有效提高信用贷款占比,降低贷款行业集中度,促进商业银行信贷结构调整;异质性分析结果表明,金融科技对中小银行、金融发展水平较高地区的商业银行信贷结构影响更大。The development of Fintech has profoundly impacted the financial industry,providing new possibilities for adjusting the credit structure of commercial banks.Based on panel data from 95 commercial banks in China from 2011 to 2021,this study examines the impact of Fintech on the loan structure of commercial banks from the perspectives of credit structure and industry structure.The results indicate that the development of Fintech can effectively increase the proportion of credit loans,reduce the industry concentration of loans,and promote the adjustment of the credit structure of commercial banks.Heterogeneity analysis reveals that Fintech has a greater impact on the credit structure of small and medium-sized banks and commercial banks in regions with higher levels of financial development.

关 键 词：金融科技 商业银行 信贷结构 信用结构 行业结构 金融市场 

分 类 号：F832.33[经济管理—金融学]