FinTech Development and the Risk-Taking Levels of Listed Commercial Banks

Tianqi Yu ()
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Tianqi Yu: Tianjin University of Finance and Economics Pearl River College, Department of Finance

A chapter in Proceedings of the 2026 11th International Conference on Financial Innovation and Economic Development (ICFIED 2026), 2026, pp 902-913 from Springer

Abstract: Abstract This paper investigates the impact of FinTech development on the risk-taking behavior of Chinese commercial banks using panel data from 42 listed banks from 2011 to 2024. A city-level FinTech index is constructed based on search-engine data and entropy weighting. The empirical results show that higher FinTech development significantly reduces bank risk-taking, and the findings remain robust when replacing FinTech and risk-taking measures or using lagged variables. Heterogeneity analysis reveals that the effect is stronger for banks in eastern regions and for national banks, reflecting differences in digital infrastructure and technological capabilities. Overall, the study highlights that FinTech plays an important stabilizing role in the banking sector and provides policy implications for promoting balanced digital development and enhancing bank–FinTech collaboration.

Keywords: FinTech Development; Bank Risk-Taking; Chinese Commercial Banks (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6239-642-5_94

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DOI: 10.2991/978-94-6239-642-5_94

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