金融科技对商业银行流动性创造影响的文献综述  

Literature Review of the Impact of Fintech on Liquidity Creation in Commercial Banks

作　　者：田思稳 郑靓琼 TIAN Siwen;ZHENG Liangqiong(School of Economics,Wuhan Textile University,Wuhan 430200,China)

机构地区：[1]武汉纺织大学经济学院,湖北武汉430200

出　　处：《商业观察》2024年第26期78-81,共4页BUSINESS OBSERVATION

摘　　要：当前,稳妥发展金融科技、加快金融机构数字化转型,已经成为构建现代金融体系和更好服务实体经济的重要抓手。持有流动性相对较差的资产而借入流动性较强的负债,被称作银行的流动性创造功能,也是商业银行服务实体经济的重要体现。在金融科技蓬勃发展的背景下,金融科技对商业银行流动性创造的影响研究一直以来都是学术领域的热点问题。基于此,文章梳理国内外相关文献,总结已有研究结论并提出相关建议。以期为政策制定者提供决策依据,促进金融科技和商业银行流动性创造的良性发展,提高金融机构的安全性和稳健性,加强整个金融市场的稳定性。At present,the steady development of financial technology and the acceleration of the digital transformation of financial institutions have become an important starting point for building a modern financial system and better serving the real economy.Holding relatively illiquid assets and borrowing liquidity liabilities can be known as the liquidity creation function of banks,and it is also an important embodiment of commercial banks serving the real economy.In the context of the vigorous development of financial technology,the research on the impact of financial technology on the liquidity creation of commercial banks has always been a hot issue in the academic field.Based on this,this paper reviews the relevant literature at home and abroad,summarizes the existing research conclusions and puts forward relevant suggestions,in order to provide decision-making basis for policymakers,promote the healthy development of fintech and liquidity creation of commercial banks,improve the safety and soundness of financial institutions,and strengthen the stability of the entire financial market.

关 键 词：金融科技 商业银行 流动性创造 资产结构 负债结构 

分 类 号：F832[经济管理—金融学]