检索结果-南通市图书馆

The value of fintech innovations for the finance industry:Evidence from China

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Economic and Political Studies 2024年第1期12卷 1-19页

作者： Zhigang Qiu Jianqiu Wang Ke Wu Sijie Yang School of Finance Renmin University of ChinaBeijingChina School of Finance Capital University of Economics and BusinessBeijingChina

This paper explores the value effects of fintech innovations on the finance industry in China,focussing on the banking *** use a crawler-like application programme to grab patent filing information and manually identify and classify fintech innovations based on their application *** patents generally bring adverse value effects to various finance sectors,revealing a competitive relationship between innovators and financial *** innovations applied to insurance and asset management cause the most harm to the industry,especially to state-owned and joint-stock commercial ***,disruptive fintech innovations by start-up firms appear to pose more potential threats to commercial banks.

关键词： fintech financial innovations China

The Impact of“fintech+Financial Regulation”Matching Level on Financial Risk:Evidence from China

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Proceedings of Business and Economic Studies 2024年第4期7卷 118-124页

作者： Xiaopeng Sun College of Economics and Management Beijing University of TechnologyBeijing 100124China

Preventing financial risk is an important topic that academic circles and the government have paid attention to for a long *** development of fintech and the improvement of financial regulation will affect the level of financial *** relationship between the degree of matching between fintech and financial regulation and financial risk is explored,which is crucial for reducing financial *** data from 31 provinces in China from 2011 to 2020 is used to explore the impact of fintech and financial regulatory matching levels on financial *** study finds that the improved matching level between fintech and financial regulation helps reduce financial *** degree of matching between fintech and financial regulation affects financial risk through financial efficiency.

关键词： fintech Financial regulation Financial risk

fintech,regtech,and financial development:evidence from China

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Financial Innovation 2022年第1期8卷 268-287页

作者： Tadiwanashe Muganyi Linnan Yan Yingkai Yin Huaping Sun Xiangbin Gong Farhad Taghizadeh-Hesary School of Economics Shanghai UniversityShanghai 200240China School of Economics and Management Hebei University of TechnologyTianjin 300401China School of Finance and Economics Division of Low-carbon Economy and Environment RegulationInstitute of Industrial EconomicsJiangsu UniversityZhenjiang 212013JiangsuChina School of Economics and Management Tongji UniversityShanghaiChina Tokai University 4-1-1 KitakanameHiratsuka-shiKanagawa 259-1292Japan

This study investigates the influence of fintech on developments in China’s financial sector across 290 cities and 31 provinces between 2011 and *** a two-stage least squares instrumental variable regression approach and correcting for cross-sectional dependency,simultaneity,and endogeneity of regressors,the results establish a positive link between fintech and financial *** findings show that fintech supports financial sector development by enhancing access(loans),depth(deposits),and savings within China’s financial *** also show that the emergence of fintech in the area of financial regulation(regulatory technology:regtech)can significantly improve financial development ***,it is imperative for regulators to pursue policies that balance growth in the fintech sector while mitigating the associated *** addition,we use the difference-in-differences approach to show that policy measures such as interest rates liberalization also positively impacted finan-cial development during the analysis *** our conclusion,we suggest a policy framework for balanced fintech sector growth in developing countries.

关键词： fintech Regtech Financial development China

fintech in Taiwan:a case study of a Bank’s strategic planning for an investment in a fintech company

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Financial Innovation 2016年第1期2卷 186-201页

作者： Jui-Long Hung Binjie Luo Boise State University BoiseUSA Agricultural Bank of China SichuanChina

Introduction:Since 2015 is the year of fintech in Taiwan,it is worth investigating the challenges that emerged when banks were encouraged to invest in fintech companies for *** study aims to identify the strategic considerations in the process of searching for fintech investment *** description:This study used a case study investigation of a top-5 bank in *** major data sources include the meeting notes of the fintech investment task force and interviews with the team ***-opetition theory was adopted as the theoretical framework and interview questions were derived from the PARTS strategies in co-petition *** results relate to:(1)the strategic goals of fintech investment,(2)the added value from fintech companies,(3)criteria in selecting candidates in the same fintech area,(4)choosing to work as either a cooperator or a competitor,and(5)barriers from policies and *** and evaluation:This study has several findings:(1)regulations and policies shape fintech’s development;(2)banks,technology companies,and customers are not“fintech ready;”(3)Compare top-down with bottom up strategies;(4)banks and fintech companies have complex relationships;(5)it is unlikely that Taiwan will produce fintech disruptors in the near ***:The findings and discussion can benefit researchers and administrators in finance-related *** studies are desired to observe long-term development in terms of how companies collaborate or compete in specific fintech areas.

关键词： fintech Taiwan fintech Industry Investment in fintech Bank 3.0 Taiwan bank industry Co-opetition Theory PARTS

Blockchain technology‑based fintech banking sector involvement using adaptive neuro‑fuzzy‑based K‑nearest neighbors algorithm

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Financial Innovation 2023年第1期9卷 1765-1787页

作者： Husam Rjoub Tomiwa Sunday Adebayo Dervis Kirikkaleli Department of Accounting and Finance Palestine Polytechnic University-PPUHebronPalestine Department of Banking and Finance Faculty of EconomicsAdministrative and Social SciencesBahçeşehir Cyprus University99010 AlayköyNicosiaTurkey Department of Economics Faculty of Economics and Administrative ScienceCyprus International UniversityNorthern Cyprus10 MersinNicosiaTurkey Department of Banking and Finance Faculty of Economics and Administrative SciencesEuropean University of LefkeLefkeNorthern Cyprus10 MersinTurkey

The study aims to investigate the financial technology(fintech)factors influencing Chinese banking *** expectations and global realities may be changed by fintech’s multidimensional scope,which is lacking in the traditional financial *** use of technology to automate financial services is becoming more important for economic organizations and industries because the digital age has seen a period of transition in terms of consumers and *** future of fintech will be shaped by technologies like the Internet of Things,blockchain,and artificial *** involvement of these platforms in financial services is a major concern for global business *** is becoming more popular with customers because of such *** has driven a fundamental change within the financial services industry,placing the client at the center of *** has become a primary focus since data are a component of fintech *** task of consolidating research reports for consensus is very manual,as there is no standardized *** existing research has proposed certain methods,they have certain drawbacks in fintech payment systems(including cryptocurrencies),credit markets(including peer-to-peer lending),and insurance *** paper implements blockchainbased financial technology for the banking sector to overcome these transition *** this study,we have proposed an adaptive neuro-fuzzy-based K-nearest neighbors’*** chaotic improved foraging optimization algorithm is used to optimize the proposed *** rolling window autoregressive lag modeling approach analyzes fintech *** proposed algorithm is compared with existing approaches to demonstrate its *** findings showed that it achieved 91%accuracy,90%privacy,96%robustness,and 25%cyber-risk *** with traditional approaches,the recommended strategy will be more convenient,safe,and effective in the transit

关键词： fintech Economic growth Blockchain technology Adaptive neural fuzzy based KNN algorithm Rolling window autoregressive lag modelling

Entrepreneurial, institutional and financialstrategies for fintech profitability

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Financial Innovation 2022年第1期8卷 487-522页

作者： Santiago Carbó-Valverde Pedro JCuadros-Solas Francisco Rodríguez-Fernández University of Granada C/Campus Cartuja s/n18011 GranadaSpain CUNEF Universidad C/Pirineos5528040 MadridSpain Funcas C/Caballero de Gracia2828013 MadridSpain

Notwithstanding the emergence of fintech startups in the financial services industry,most of these companies face significant difficulties in breaking even and *** study examines the main managerial, institutional, and financial drivers of fintechprofitability and the time it takes for these firms to break even. The database includesrelevant qualitative factors, such as foundational characteristics, the technologicalprofile of the startup, and its funding structure. Using the full population of fintechstartups operating in Spain from 2005 to 2017, we observe that most of these firms areunprofitable within three years of their inception. Combining panel data and survivalanalyses, we empirically find that large and solvent fintech firms founded by singleentrepreneurs in an incubator or accelerator program are more likely to be profitableand prevail. fintech firms reach their break-even points faster if they receive fundingthrough seed capital.

关键词： fintech Profitability Entrepreneurship Technology Financial strategies Startups

The fintech phenomenon:antecedents of financial innovation perceived by the popular press

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Financial Innovation 2016年第1期2卷 202-217页

作者： Liudmila Zavolokina Mateusz Dolata Gerhard Schwabe Department of Informatics University of Zurich8050 ZurichSwitzerland

The financial industry has been strongly influenced by digitalization in the past few years reflected by the emergence of“fintech,”which represents the marriage of“finance”and“information technology.”fintech provides opportunities for the creation of new services and business models and poses challenges to traditional financial service ***,fintech has become a subject of debate among practitioners,investors,and researchers and is highly visible in the popular *** this study,we unveil the drivers motivating the fintech phenomenon perceived by the English and German popular press including the subjects discussed in the context of *** study is the first one to reflect the media perspective on the fintech phenomenon in the *** doing so,we extend the growing knowledge on fintech and contribute to a common understanding in the financial and digital innovation *** study contributes to research in the areas of information systems,finance and interdisciplinary social ***,it brings value to practitioners(entrepreneurs,investors,regulators,etc.),who explore the field of fintech.

关键词： fintech Innovation Digitalization Content analysis Popular press

The social representation of fintech from the perspective of traditional financial sector professionals:evidence from Brazil

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Financial Innovation 2022年第1期8卷 2539-2565页

作者： Luiz Antonio Joia Rodrigo Proença School of Public and Business Administration Getulio Vargas FoundationRio de JaneiroBrazil

This study aims to reveal the social representation of fintech from the perspective of traditional financial sector professionals in Brazil—herein used as a proxy for emerging markets—to interpret and compare it with the scientific literature on the concept of *** achieve this,we applied the social representations theory associated with the word evocation test,similarity analysis,and descending hierarchical *** analyzing the results,we perceived a partial misalignment between the existing literature on the concept of fintech and the perspective of traditional financial sector professionals concerning this *** contrast to the literature surveyed,the respondents lack perception regarding the potential of fintech to constitute disruptive technology for the traditional financial sector—radically transforming or even eliminating *** addition,traditional financial sector professionals have little insight into the potential of fintech to financially include the low-income population,owing to their lower costs and greater ease of ***,traditional financial sector professionals failed to appreciate the need to develop a legal and regulatory framework for the performance of fintech in emerging *** is a subject that has also been scantly addressed by academia.

关键词： fintech Social representations theory Word evocation method Similarity analysis Descending hierarchical analysis Emerging markets

Consumer lending efficiency:commercial banks versus a fintech lender

在线全文

维普期刊数据库

学校读者我要写书评

暂无评论

Financial Innovation 2022年第1期8卷 1058-1096页

作者： Joseph P.Hughes Julapa Jagtiani Choon-Geol Moon Department of Economics Rutgers UniversityNew BrunswickNJ 08901-1248USA Federal Reserve Bank of Philadelphia Ten Independence MallPhiladelphiaPA 19106USA Department of Economics and Finance College of Economics and FinanceHanyang UniversitySeoul 04763Korea

fintechs are believed to help expand credit access to underserved consumers without taking on additional *** compare the performance efficiency of LendingClub’s unsecured personal loans with similar loans originated by *** stochastic frontier estimation,we decompose the observed nonperforming loan(NPL)ratio into three components:the best-practice minimum NPL ratio,the excess NPL ratio,and a statistical noise,the former two of which reflect the lender’s inherent credit risk and lending inefficiency,*** of 2013 and 2016,we find that the higher NPL ratios at the largest banks are driven by inherent credit risk,rather than lending *** banks are less *** addition,as of 2013,LendingClub’s observed NPL ratio and lending efficiency were in line with banks with similar lending ***,its lending efficiency improved significantly from 2013 to *** of 2016,LendingClub’s performance resembled the largest banks–consistent with an argument that its increased use of alternative data and AI/ML may have improved its credit risk assessment capacity above and beyond its peers using traditional ***,we also investigate capital market incentives for lenders to take credit *** value regression using the NPL ratio suggests that market discipline provides incentives to make less risky consumer ***,the regression using two decomposed components(inherent credit risk and lending inefficiency)tells a deeper underlying story:market value is significantly positively related to inherent credit risk at most banks,whereas it is significantly negatively related to lending inefficiency at most *** discipline appears to reward exposure to inherent credit risk and punish inefficient lending.

关键词： fintech Marketplace lending P2P lending Credit risk management Lending efficiency LendingClub