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Digital Finance and Commercial Banks' Risk

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  • Nadia Mansour

    (University of Sousse, Tunisia & University of Salamanca, Spain & Laboratory Larime-Essect, Tunisia)

Abstract

China's digital financial growth has advanced rapidly, and the banking sector, which serves as the core of the real economy, is concerned about its capacity to resist the impacts of digital finance. The paper analyzes the impact of digital financing on commercial banking risk-taking via balance panel data from 2013 to 2022 from 160 Chinese banks. The results prove that the impact of digital finance on commercial banks' risk-taking and finds that firstly, in terms of the overall effect, digital finance has a dampening effect on commercial banks' risk-taking; in terms of the structural effect, the risk-dampening effect of the breadth of coverage is the strongest and the breadth of coverage and the depth of use play a significant role in the dampening of commercial banks' risk-taking.

Suggested Citation

  • Nadia Mansour, 2024. "Digital Finance and Commercial Banks' Risk," International Journal of E-Business Research (IJEBR), IGI Global, vol. 20(1), pages 1-22, January.
    • Handle: RePEc:igg:jebr00:v:20:y:2024:i:1:p:1-22
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    File URL: https://services.igi-global.com/resolvedoi/resolve.aspx?doi=10.4018/IJEBR.344418
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    References listed on IDEAS

    as
    1. Dong, Jichang & Yin, Lijun & Liu, Xiaoting & Hu, Meiting & Li, Xiuting & Liu, Lei, 2020. "Impact of internet finance on the performance of commercial banks in China," International Review of Financial Analysis, Elsevier, vol. 72(C).
    2. Sara Quach & Park Thaichon & Kelly D. Martin & Scott Weaven & Robert W. Palmatier, 2022. "Digital technologies: tensions in privacy and data," Journal of the Academy of Marketing Science, Springer, vol. 50(6), pages 1299-1323, November.
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    Cited by:

    1. Zhou, Zhongsheng & Zhang, Jingyao & He, Chao, 2025. "Manufacturing enterprise digital transformation, manager cognition, and strategic Risk-Taking—Evidence from China," International Review of Economics & Finance, Elsevier, vol. 98(C).

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