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Open government data and bank risk-taking

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  • Xie, Lu
  • Li, Yujie
  • Cao, Lei

Abstract

Using China's staggered launch of open government data platforms as a quasi-experiment, this paper investigates the impact of open government data on bank risk-taking. We find a significant decrease in bank risk-taking following local platform establishment, and the result is robust to multiple tests. Cross-sectional tests show that this mitigating effect is stronger for banks operating in regions with lower social trust, for those with access to more relevant data and greater data-analytical capabilities, and for city commercial banks. Mechanism analyses are consistent with the view that open government data may help banks reduce information frictions in both ex-ante screening and ex-post monitoring. Our findings highlight open government data as a critical public good that strengthens market discipline, offering policymakers a novel and effective tool to enhance financial stability.

Suggested Citation

  • Xie, Lu & Li, Yujie & Cao, Lei, 2026. "Open government data and bank risk-taking," Economic Modelling, Elsevier, vol. 164(C).
    • Handle: RePEc:eee:ecmode:v:164:y:2026:i:c:s0264999326003159
    DOI: 10.1016/j.econmod.2026.107786
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • H41 - Public Economics - - Publicly Provided Goods - - - Public Goods
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design

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