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Development of Fintech, Green credit, and risk taking in commercial banks

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  • Duan, Ditao
  • Liu, Kai

Abstract

This research examines the influence of fintech innovation and green credit on the risk-taking of Chinese commercial banks over the 2009–2023 period, employing a panel fixed effects approach with financial data sourced from listed commercial banks. The research findings demonstrate that fintech development can significantly reduce the risk-taking level of commercial banks; green credit also significantly lowers the risk-taking level of commercial banks. The analysis of moderating effects reveals that fintech development exerts a significant moderating effect on the relationship between green credit and commercial banks' risk-taking. Additionally, the heterogeneity analysis indicates that the impact of fintech development on commercial banks' risk-taking level exhibits heterogeneity between banks with high and low non-performing loan ratios.

Suggested Citation

  • Duan, Ditao & Liu, Kai, 2025. "Development of Fintech, Green credit, and risk taking in commercial banks," Finance Research Letters, Elsevier, vol. 86(PE).
    • Handle: RePEc:eee:finlet:v:86:y:2025:i:pe:s1544612325019415
    DOI: 10.1016/j.frl.2025.108687
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    References listed on IDEAS

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