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FinTech, risk management and banking green credit

Author

Listed:
  • 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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    References listed on IDEAS

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    1. Wang, Shaohui & Yong, Yanlan & Liu, Xizhang & Wang, Yunliang, 2024. "How Fintech mitigates credit mismatches to promote green innovation: Evidence from Chinese listed enterprises," International Review of Financial Analysis, Elsevier, vol. 96(PB).
    2. He, Zuojing & Ge, Fangting & Ban, Shengxi & Min Du, Anna & Sheehan, Maura, 2024. "Fintech's influence on green credit provision: Empirical evidence from China’s listed banking sector," Research in International Business and Finance, Elsevier, vol. 70(PB).
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    7. Wan, Jiayu & Niu, Zihan & Li, Bin, 2025. "Does Fintech improve the carbon reduction effect of green credit policy? Evidence from China," Economic Analysis and Policy, Elsevier, vol. 85(C), pages 1258-1269.
    8. Qin, Lu & Aziz, Ghazala & Hussan, Muhammad Wasim & Qadeer, Afifa & Sarwar, Suleman, 2024. "Empirical evidence of fintech and green environment: Using the green finance as a mediating variable," International Review of Economics & Finance, Elsevier, vol. 89(PA), pages 33-49.
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