The impact of internet finance on the risk-taking level of Chinese commercial banks: Mediation effect based on deposit structure.
| Title: | The impact of internet finance on the risk-taking level of Chinese commercial banks: Mediation effect based on deposit structure. |
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| Authors: | Liu Yujin1 liuyujin@student.usm.my, Azman, Nik Hadiyan Nik1 nikhadiyan@usm.my |
| Source: | Global Business & Management Research. 2024 Special Issue, Vol. 16, p1490-1514. 25p. |
| Subject Terms: | *Bank deposits, *Bank profits, *Banking industry, *Online banking, *Community banks |
| Abstract: | Purpose: Examine the relationship between Chinese commercial banks' degree of risk-taking and Internet finance, as well as the effect's channel of transmission. Design/methodology/approach: This paper uses the Peking University Digital Financial Inclusion Index of China (PKU_DFIIC) to measure the degree of Internet finance development, and panel data of Chinese commercial banks listed on the A- and H-share markets from 2010 to 2021 as a sample. The model is constructed, and the overall effect validation, non-linear influence relationship test, and intermediary effect test are carried out. Bank deposit structure, or the ratio of time deposits to demand deposits, is used as the intermediary variable. Findings: The level of development of Internet finance and the capacity of commercial banks to take on risk have a non-linear, inverted U-shaped relationship; the impact of Internet finance on the capacity to take on risk is mediated by the deposit structure, which acts as an intermediary in the process; the effect of Internet finance development on the capacity to take on risk is diverse, with the most notable effects being felt by commercial banks located in rural areas and the central region of the commercial banks. Research limitations/implications: Considering the availability and representativeness of data, this study selects Chinese listed commercial banks as the research object. Non-listed banks are not included for the time being. The deposit structure in this study refers to the term structure only, i.e. the ratio of demand deposits to time deposits. Customer structure is not included. In terms of intermediation effects, this study focuses on the deposit structure end and other influence paths are not included in the focus. Practical implications: This document offers guidance to commercial banks on how to monitor and promptly address hazards, as well as how to upgrade their risk early warning systems. Originality/value: The difference between this study and previous studies is mainly reflected in the choice of mediating variables. The mediating variable selected in this paper is the term structure of commercial bank deposits, i.e. the ratio of demand deposits to time deposits. Some scholars use deposit structure as a mediating variable to study the impact of Internet finance on bank profitability. There are fewer studies that use deposit structure as a mediating variable to explore the relationship between Internet finance and commercial bank risk-taking. [ABSTRACT FROM AUTHOR] |
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| Database: | Business Source Complete |
| FullText | Links: – Type: pdflink Text: Availability: 0 CustomLinks: – Url: https://resolver.ebsco.com/c/xy5jbn/result?sid=EBSCO:bth&genre=article&issn=19475667&ISBN=&volume=16&issue=&date=20241002&spage=1490&pages=1490-1514&title=Global Business & Management Research&atitle=The%20impact%20of%20internet%20finance%20on%20the%20risk-taking%20level%20of%20Chinese%20commercial%20banks%3A%20Mediation%20effect%20based%20on%20deposit%20structure.&aulast=Liu%20Yujin&id=DOI: Name: Full Text Finder (for New FTF UI) (s8985755) Category: fullText Text: Find It @ SCU Libraries MouseOverText: Find It @ SCU Libraries |
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| Items | – Name: Title Label: Title Group: Ti Data: The impact of internet finance on the risk-taking level of Chinese commercial banks: Mediation effect based on deposit structure. – Name: Author Label: Authors Group: Au Data: <searchLink fieldCode="AR" term="%22Liu+Yujin%22">Liu Yujin</searchLink><relatesTo>1</relatesTo><i> liuyujin@student.usm.my</i><br /><searchLink fieldCode="AR" term="%22Azman%2C+Nik+Hadiyan+Nik%22">Azman, Nik Hadiyan Nik</searchLink><relatesTo>1</relatesTo><i> nikhadiyan@usm.my</i> – Name: TitleSource Label: Source Group: Src Data: <searchLink fieldCode="JN" term="%22Global+Business+%26+Management+Research%22">Global Business & Management Research</searchLink>. 2024 Special Issue, Vol. 16, p1490-1514. 25p. – Name: Subject Label: Subject Terms Group: Su Data: *<searchLink fieldCode="DE" term="%22Bank+deposits%22">Bank deposits</searchLink><br />*<searchLink fieldCode="DE" term="%22Bank+profits%22">Bank profits</searchLink><br />*<searchLink fieldCode="DE" term="%22Banking+industry%22">Banking industry</searchLink><br />*<searchLink fieldCode="DE" term="%22Online+banking%22">Online banking</searchLink><br />*<searchLink fieldCode="DE" term="%22Community+banks%22">Community banks</searchLink> – Name: Abstract Label: Abstract Group: Ab Data: Purpose: Examine the relationship between Chinese commercial banks' degree of risk-taking and Internet finance, as well as the effect's channel of transmission. Design/methodology/approach: This paper uses the Peking University Digital Financial Inclusion Index of China (PKU_DFIIC) to measure the degree of Internet finance development, and panel data of Chinese commercial banks listed on the A- and H-share markets from 2010 to 2021 as a sample. The model is constructed, and the overall effect validation, non-linear influence relationship test, and intermediary effect test are carried out. Bank deposit structure, or the ratio of time deposits to demand deposits, is used as the intermediary variable. Findings: The level of development of Internet finance and the capacity of commercial banks to take on risk have a non-linear, inverted U-shaped relationship; the impact of Internet finance on the capacity to take on risk is mediated by the deposit structure, which acts as an intermediary in the process; the effect of Internet finance development on the capacity to take on risk is diverse, with the most notable effects being felt by commercial banks located in rural areas and the central region of the commercial banks. Research limitations/implications: Considering the availability and representativeness of data, this study selects Chinese listed commercial banks as the research object. Non-listed banks are not included for the time being. The deposit structure in this study refers to the term structure only, i.e. the ratio of demand deposits to time deposits. Customer structure is not included. In terms of intermediation effects, this study focuses on the deposit structure end and other influence paths are not included in the focus. Practical implications: This document offers guidance to commercial banks on how to monitor and promptly address hazards, as well as how to upgrade their risk early warning systems. Originality/value: The difference between this study and previous studies is mainly reflected in the choice of mediating variables. The mediating variable selected in this paper is the term structure of commercial bank deposits, i.e. the ratio of demand deposits to time deposits. Some scholars use deposit structure as a mediating variable to study the impact of Internet finance on bank profitability. There are fewer studies that use deposit structure as a mediating variable to explore the relationship between Internet finance and commercial bank risk-taking. [ABSTRACT FROM AUTHOR] – Name: AbstractSuppliedCopyright Label: Group: Ab Data: <i>Copyright of Global Business & Management Research is the property of Global Business & Management Research and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract.</i> (Copyright applies to all Abstracts.) |
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| RecordInfo | BibRecord: BibEntity: Languages: – Code: eng Text: English PhysicalDescription: Pagination: PageCount: 25 StartPage: 1490 Subjects: – SubjectFull: Bank deposits Type: general – SubjectFull: Bank profits Type: general – SubjectFull: Banking industry Type: general – SubjectFull: Online banking Type: general – SubjectFull: Community banks Type: general Titles: – TitleFull: The impact of internet finance on the risk-taking level of Chinese commercial banks: Mediation effect based on deposit structure. Type: main BibRelationships: HasContributorRelationships: – PersonEntity: Name: NameFull: Liu Yujin – PersonEntity: Name: NameFull: Azman, Nik Hadiyan Nik IsPartOfRelationships: – BibEntity: Dates: – D: 02 M: 10 Text: 2024 Special Issue Type: published Y: 2024 Identifiers: – Type: issn-print Value: 19475667 Numbering: – Type: volume Value: 16 Titles: – TitleFull: Global Business & Management Research Type: main |
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