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Fintech,bank risks,and Business Performance:From the Perspective of Inclusive Finance

China Economic Transition 2022年第2期5卷 242-261页

作者： GUO Lihong ZHU Keda School of Finance Shanghai University of Finance and EconomicsShanghai 200433China

Recent years have seen an increasing integration of fintech and inclusive loans,leading to significant changes in banking business models and *** paper analyzes the impact of fintech on bank risks and *** research findings show the following ***,fintech has made banks more willing to issue inclusive ***,by leveraging fintech,banks have lowered the risks associated with inclusive loans and improved their performance,particularly manifested by inclusive loans to small and micro ***,in regard to financial geographic heterogeneity,with the increasing distance between branches and sub-branches,and head office,fintech,as an effective regulating tool,can help to improve the inclusive loan operations and risk control capabilities of remote branches and *** paper argues that digital financial inclusion contributes to the stable operation of banks;banks can take advantage of fintech to digitalize and intelligentize financial inclusion,thereby improving business efficiency,reducing risk exposures and expanding ***,banks should adhere to the“prudent and stable”risk appetite and“small and decentralized”credit granting principle to make safe,convenient and impartial inclusive finance services available to a variety of market *** implementing the inclusive finance development strategy,head office should consider different results among branches and sub-branches due to their varied financial geographic locations,and release differentiated assessment and incentive policies to branches and sub-branches based on economic regions in a bid to minimize policy spillovers.

关键词： fintech digital financial inclusion inclusive loans bank risks business performance

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Construction of Early Risk Alarm Index System for Commercial banks

Construction of Early Risk Alarm Index System for Commercial...

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2011 International Conference on Engineering and Information Management (ICEIM 2011)

作者： Zheng Tian Zhang Li Academic Adminstration'Hangzhou Wangxiang Polytechnic The Department of Economics and Business Hangzhou Wangxiang Polytechnic

Financial Institutions’ stability is the fundament of the economy. As one kind of special enterprise, the operation of commercial banks has immediate impact on the national economy and financial stability. Therefore, it is important to establish an effective financial risk monitor system, such as evaluating, early alarming and handling systems which can efficiently prevent risks for commercial banks. In this paper, we propose about 40 indexes to reflect the risks in the macro economy, estate and stock markets, and banks. We also present an individual weight for each index by Analytic Hierarchy Process Theory. Based on these works, a new kind of early risk alarm index system is finally constructed.

关键词： bank risks weight early risk alarm index system Analytic Hierarchy Process

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