IDEAS home Printed from https://ideas.repec.org/a/bla/worlde/v49y2026i7p1318-1337.html

Bank FinTech and Risk Inefficiency in China's Banking Industry

Author

Listed:
  • Maoyong Cheng
  • Yang Qu
  • Pin Guo

Abstract

This paper examines the effects of bank FinTech on credit risk inefficiency using data for Chinese commercial banks from 2008 to 2017. We first construct a bank FinTech index with the help of web crawler technology and the data mining theory. Then, we examine the effects of bank FinTech on credit risk inefficiency. The results show that the development of bank FinTech significantly reduces credit risk inefficiency. Further, we explore the indirect effects and find that bank FinTech increases non‐interest business and thus reduces credit risk inefficiency. Finally, we find that the beneficial effects of bank FinTech on credit risk inefficiency are weaker for listed banks and state‐owned banks.

Suggested Citation

  • Maoyong Cheng & Yang Qu & Pin Guo, 2026. "Bank FinTech and Risk Inefficiency in China's Banking Industry," The World Economy, Wiley Blackwell, vol. 49(7), pages 1318-1337, July.
    • Handle: RePEc:bla:worlde:v:49:y:2026:i:7:p:1318-1337
    DOI: 10.1111/twec.70094
    as

    Download full text from publisher

    File URL: https://doi.org/10.1111/twec.70094
    Download Restriction: no
    File URL: https://libkey.io/10.1111/twec.70094?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bla:worlde:v:49:y:2026:i:7:p:1318-1337. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Wiley Content Delivery (email available below). General contact details of provider: http://www.blackwellpublishing.com/journal.asp?ref=0378-5920 .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.