The impact of fintech on risk-taking of commercial banks
金融科技对商业银行风险承担的影响

摘要

金融科技通过大数据、区块链等技术重塑商业银行风险承担机制，既降低信息不对称、提升运营效率，又引发技术依赖、监管套利等新挑战。研究揭示技术赋能与风险演变的双重效应，提出加强技术投入、优化风控体系、培养复合型人才等策略，强调在创新与安全间寻求平衡。商业银行需构建敏捷型风险管理框架，监管机构应建立包容性监管体系，共同推动金融科技成为银行业高质量发展的核心驱动力。

Abstract

Fintech reshapes the risk-taking mechanism of commercial banks through technologies such as big data and blockchain, reducing information asymmetry and enhancing operational efficiency, while also posing new challenges such as technological dependence and regulatory arbitrage. The research reveals the dual effects of technology empowerment and risk evolution, and proposes strategies such as increasing technology investment, optimizing the risk control system, and cultivating compound talents, emphasizing the need to seek a balance between innovation and security. Commercial banks need to build an agile risk management framework, and regulatory authorities should establish an inclusive regulatory system to jointly promote fintech as the core driving force for the high-quality development of the banking industry.