金融科技对我国农村商业银行风险承担的影响研究

Research on the Influence of Financial Technology on the Risk-Taking of Rural Commercial Banks in China

摘要: 本文选取2014~2022年我国农村商业银行的财务数据进行实证分析，研究发现，金融科技能显著抑制农村商业银行风险承担水平。通过异质性分析发现这一影响在规模较大的农商行和市级农商行中更为显著。机制检验发现，赋能机制和竞争机制在二者影响中发挥中介作用。最后，本文提出强化金融科技意识、适当合理选择引入金融科技，以及不同规模的农村商业银行根据自身经营状况高效应用金融科技的建议。

Abstract: This paper selects the financial data of China’s rural commercial banks from 2014 to 2022 for empirical analysis and finds that financial technology can significantly reduce the risk-taking levels of rural commercial banks. Heterogeneity analysis reveals that this effect is more pronounced in larger rural commercial banks and those at the municipal level. Mechanism tests show that the empowerment mechanism and competition mechanism play a mediating role in this influence. Finally, the paper suggests strengthening awareness of financial technology, appropriately and rationally selecting its introduction, and efficiently applying financial technology based on the operational conditions of rural commercial banks of different sizes.