金融科技领域战略合作与商业银行效率提升

IF 3.8 3区经济学 Q1 BUSINESS, FINANCE

North American Journal of Economics and Finance Pub Date : 2025-01-01 DOI:10.1016/j.najef.2025.102377

Zhiming Ao , Xinru Ji

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引用次数: 0

摘要

本研究考察了银行与科技公司在金融科技领域的战略合作对商业银行效率的影响。结果表明，银行与金融科技战略合作伙伴关系对银行效率有正向影响。我们发现战略合作通过提高盈利能力、数字化管理能力和成本控制能力来影响银行经营。此外，这种合作增加了银行的风险偏好，缓解了保守经营对效率的约束。这些基于增强银行稳定性的改进有助于缓解信贷紧缩的传统问题，使商业银行能够提高其风险承受能力并实现盈利增长。

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Strategic cooperation in fintech field and efficiency of commercial banks

This study examines the impact of strategic cooperation in fintech field between banks and technology companies on the efficiency of commercial banks. The results reveal that bank-fintech strategic partnerships have a positive impact on bank efficiency. We find that strategic cooperation affects bank operations by improving profitability, digital management capabilities, and cost control abilities. Additionally, this cooperation increases banks' risk preference and eases constraints of conservative operations on efficiency. These improvements based on enhanced bank stability help to alleviate the traditional problems of credit tightening, allowing commercial banks to increase their risk tolerance and achieve profitable growth.

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来源期刊

North American Journal of Economics and Finance Multiple-

CiteScore

7.30

自引率

8.30%

发文量

168

期刊介绍： The focus of the North-American Journal of Economics and Finance is on the economics of integration of goods, services, financial markets, at both regional and global levels with the role of economic policy in that process playing an important role. Both theoretical and empirical papers are welcome. Empirical and policy-related papers that rely on data and the experiences of countries outside North America are also welcome. Papers should offer concrete lessons about the ongoing process of globalization, or policy implications about how governments, domestic or international institutions, can improve the coordination of their activities. Empirical analysis should be capable of replication. Authors of accepted papers will be encouraged to supply data and computer programs.