The Impact of Banking Fintech on Systemic Risk

Tongyang Chen ()
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Tongyang Chen: Jinan University, School of Economics

A chapter in Proceedings of the 2024 2nd International Conference on Digital Economy and Management Science (CDEMS 2024), 2024, pp 119-124 from Springer

Abstract: Abstract The development of fintech has brought profound changes to the banking industry, and there is a general concern about the degree of fintech empowerment for commercial banks. This paper constructs an indicator of the degree of bank fintech use and examines the impact of fintech use on commercial bank systemic risk and its subcomponents using data from 37 listed banks from 2011 to 2022. It is found that fintech utilization significantly increases commercial banks’ systemic risk, mainly through increasing interbank correlation risk.

Keywords: Bank FinTech; Systemic risk; CoVaR (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-488-4_13

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DOI: 10.2991/978-94-6463-488-4_13

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