Does digital inclusive finance affect the credit risk of commercial banks?

Jia Ruan and Ruishi Jiang

Finance Research Letters, 2024, vol. 62, issue PA

Abstract: This paper adopts the data of commercial banks from 2011 to 2021 to carry out the research on the impact of digital inclusive finance on the credit risk of commercial banks. The results show that, first, digital inclusive finance reduces credit risk of commercial banks, and has a greater mitigating effect on credit risk of national banks than regional banks. Second, economic policy uncertainty makes banks' credit risk rise. Compared with national commercial banks, economic policy uncertainty increases the credit risk of regional commercial banks more significantly. Third, the higher the profitability of banks, the more beneficial digital inclusive finance is to reduce the credit risk of commercial banks.

Keywords: Digital inclusive finance; Credit risk; Economic policy uncertainty; Profitability of bank (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:eee:finlet:v:62:y:2024:i:pa:s1544612324001831

DOI: 10.1016/j.frl.2024.105153

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