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- Nadia Mansour University of Sousse, Tunisia & University of Salamanca, Spain & Laboratory Larime-Essect, Tunisia
University of Sousse, Tunisia & University of Salamanca, Spain & Laboratory Larime-Essect, Tunisia
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International Journal of E-Business ResearchVolume 20Issue 1Mar 2024pp 1–22https://doi.org/10.4018/IJEBR.344418
Published:21 June 2024Publication History
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International Journal of E-Business Research
Volume 20, Issue 1
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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.
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Published in
International Journal of E-Business Research Volume 20, Issue 1
Mar 2024
61 pages
ISSN:1548-1131
EISSN:1548-114X
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Copyright © 2024
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- Published: 21 June 2024
Author Tags
- Bank Competition
- China
- Commercial Banks
- Digital Finance
- Risk-Taking
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