金融科技發展對中國大陸商業銀行風險管理影響之研究

The Study of Influence of Fintech Development on Commercial Banks Risk Management in China

商業銀行尋如何利用金融科技實現風險管理是一項重要的課題。本文以2011-2021年間，將中國大陸198家包含四大國有、股份制銀行、城市商業銀行、農村商業銀行、外資法人銀行的矩陣型數據為樣本，藉由樣本銀行巨大資產規模及多樣化的經營類型，並透過實證檢驗金融科技對大陸銀行業風險管理水準的影響，本研究發現提升金融科技的應用有助於提升銀行業的風險管理水準，並有助於銀行更有效的管控風險。本文建議，商業銀行應充分認識到金融科技在銀行風險管理中的重要作用，堅定數位化發展，保持金融科技研發投入，並從信用風險識別與監控預警等加強智能化風險管理體系建設。台灣也應建立數位普惠金融的數據資料庫，以利台灣銀行業的金融科技發展與風險管理。

How commercial banks to use financial technology (fintech) to achieve risk management has become an important topic. This article explores the influence of fintech on the risk management of commercial bank through the matrix data of 198 banks in China, including national banks, joint stock commercial bank, city commercial banks, rural commercial banks and foreign banks. It concludes that commercial banks should fully recognize the important role of fintech in bank risk management at the level of business strategy, firmly adhere to the digital development strategy, maintain investment in fintech research and development, and enhance the construction of intelligent risk management systems from aspects including credit risk identification and monitoring alert. These research findings will have implications for Taiwan's banking industry. Taiwan can also consider establish its own database for Digital Inclusive Finance to strengthen its fintech development in banking industry.