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FinTech, risk management and banking green credit

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  • Wang, Qiulin
  • Fu, Lei

Abstract

Based on balanced panel data of Chinese listed commercial banks on the Shanghai and Shenzhen stock exchanges from 2017 to 2023, this paper empirically examines the impact of fintech on banks' green credit and its underlying mechanisms. The findings reveal that: (1) fintech significantly promotes the growth of green credit; (2) fintech indirectly facilitates green credit allocation by enhancing banks' risk identification and pricing capabilities; and (3) the promotion effect of fintech on green credit varies across dimensions of banks' market competitiveness.

Suggested Citation

  • Wang, Qiulin & Fu, Lei, 2025. "FinTech, risk management and banking green credit," Finance Research Letters, Elsevier, vol. 83(C).
    • Handle: RePEc:eee:finlet:v:83:y:2025:i:c:s1544612325009456
    DOI: 10.1016/j.frl.2025.107686
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