Proceedings of the 3rd International Conference on Internet Finance and Digital Economy (ICIFDE 2023)

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Fintech, Inclusive Finance, and Bank’s Risk-Taking

Authors
Ying Zhang1, *, Min Chen1
1School of Finance, Harbin University of Commerce, 150028, Harbin, China
*Corresponding author. Email: zhangy@s.hrbcu.edu.cn
Corresponding Author
Ying Zhang
Available Online 29 October 2023.
DOI
10.2991/978-94-6463-270-5_33How to use a DOI?
Keywords
Fintech; Bank's Risk-taking; Financial inclusion
Abstract

In this paper, we use web crawler technology and principal component analysis to measure the FinTech index and estimate the Lerner index by constructing a transcendental logarithmic cost function and SFA model to empirically investigate the moderating effect of fintech concerning the relationship of financial inclusion and bank’s risk-taking. The results show that (1) financial inclusion motivates banks to take risks proactively, leading to an increase in the level of risk-taking, and (2) the positive impact of financial inclusion on risk-taking is weakened as fintech empowers financial inclusion. The innovation of the paper is to detect the moderation effect of fintech on the association between financial inclusion and bank’s risk-taking and to provide theoretical support for further preventing financial risks, holding the bottom line of no systemic financial risks, and maintaining financial stability, while differing from previous literature that explores the impact of financial inclusion and fintech on bank’s risk-taking separately.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 3rd International Conference on Internet Finance and Digital Economy (ICIFDE 2023)
Series
Atlantis Highlights in Economics, Business and Management
Publication Date
29 October 2023
ISBN
10.2991/978-94-6463-270-5_33
ISSN
2667-1271
DOI
10.2991/978-94-6463-270-5_33How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Ying Zhang
AU  - Min Chen
PY  - 2023
DA  - 2023/10/29
TI  - Fintech, Inclusive Finance, and Bank’s Risk-Taking
BT  - Proceedings of the 3rd International Conference on Internet Finance and Digital Economy (ICIFDE 2023)
PB  - Atlantis Press
SP  - 302
EP  - 307
SN  - 2667-1271
UR  - https://doi.org/10.2991/978-94-6463-270-5_33
DO  - 10.2991/978-94-6463-270-5_33
ID  - Zhang2023
ER  -