(1)
Eastern Region
(2)
Central Region
(3)
Western Region
Fintech 1
−
0.0116 **
−
0.0122
−
0.0348 **
(
−
2.20)
(
−
0.94)
(
−
2.28)
observations
549
155
142
Number of banks
100
27
25
R2
0.147
0.338
0.244
Note: ** means significant at the level of 5%. Source: own calculations. Software: Stata.
We then divide the city where the bank is registered (excluding municipalities) into
provincial capital cities and non-provincial capital cities. Then we conduct a heterogeneous
analysis on the impact of urban Fintech development at different administrative levels on
Banks’ risk-taking. The regression results of the time-fixed effect model are shown in Table
10
. The results show that in non-provincial capital cities, there is a significant negative
correlation between the level of Fintech development and bank risk-taking; however, the
regression coefficient of provincial capital cities has not passed the significance test. The
likely explanation is that provincial cities have higher administrative levels, their regional
Banks have more high-quality customers, receive more administrative protection such
as guarantees from local governments, and lack the incentive and impulse to apply new
technologies to reduce bank risks. For banks in non-provincial capital cities, due to the lack
of the above conditions, their incentives to use Fintech to suppress bank risks are greater.
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