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The Impact of Banking Fintech on Systemic Risk

In: Proceedings of the 2024 2nd International Conference on Digital Economy and Management Science (CDEMS 2024)

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  • Tongyang Chen

    (Jinan University, School of Economics)

Abstract

The development of fintech has brought profound changes to the banking industry, and there is a general concern about the degree of fintech empowerment for commercial banks. This paper constructs an indicator of the degree of bank fintech use and examines the impact of fintech use on commercial bank systemic risk and its subcomponents using data from 37 listed banks from 2011 to 2022. It is found that fintech utilization significantly increases commercial banks’ systemic risk, mainly through increasing interbank correlation risk.

Suggested Citation

  • Tongyang Chen, 2024. "The Impact of Banking Fintech on Systemic Risk," Advances in Economics, Business and Management Research, in: Junfeng Liao & Hongbo Li & Edward H. K. Ng (ed.), Proceedings of the 2024 2nd International Conference on Digital Economy and Management Science (CDEMS 2024), pages 119-124, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-488-4_13
    DOI: 10.2991/978-94-6463-488-4_13
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