FinTech Development and the Risk-Taking Levels of Listed Commercial Banks

DOI

10.2991/978-94-6239-642-5_94How to use a DOI?

Keywords

FinTech Development; Bank Risk-Taking; Chinese Commercial Banks

Abstract

This paper investigates the impact of FinTech development on the risk-taking behavior of Chinese commercial banks using panel data from 42 listed banks from 2011 to 2024. A city-level FinTech index is constructed based on search-engine data and entropy weighting. The empirical results show that higher FinTech development significantly reduces bank risk-taking, and the findings remain robust when replacing FinTech and risk-taking measures or using lagged variables. Heterogeneity analysis reveals that the effect is stronger for banks in eastern regions and for national banks, reflecting differences in digital infrastructure and technological capabilities. Overall, the study highlights that FinTech plays an important stabilizing role in the banking sector and provides policy implications for promoting balanced digital development and enhancing bank–FinTech collaboration.

Copyright

© 2026 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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TY  - CONF
AU  - Tianqi Yu
PY  - 2026
DA  - 2026/04/29
TI  - FinTech Development and the Risk-Taking Levels of Listed Commercial Banks
BT  - Proceedings of the 2026 11th International Conference on Financial Innovation and Economic Development (ICFIED 2026)
PB  - Atlantis Press
SP  - 902
EP  - 913
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-642-5_94
DO  - 10.2991/978-94-6239-642-5_94
ID  - Yu2026
ER  -