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<p>This paper investigates the role of competition and regulation in the relationship of bank FinTech development and credit risk-taking among 125 Chinese commercial banks from 2010 to 2022. Empirically, FinTech increases ex ante risk-taking and reduces ex post credit risk. Mechanically, FinTech strengthens banks’ market power, thereby lowering both ex ante provisioning and ex post default risk. In contrast, FinTech-induced product differentiation raises both types of credit risk. State-owned banks possess a greater capacity for FinTech-driven risk mitigation and, simultaneously, exhibit a significant comparative advantage in acquiring market power through the adoption of FinTech. Meanwhile, stronger local financial regulation attenuates the risk-mitigating effect of FinTech. Overall, our findings offer actionable implications for prudential regulation, open banking policies, and banks’ digital transformation strategies in the FinTech era.</p>

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Bank FinTech and credit risk-taking: the role of competition and regulation

  • 期刊论文

  • 发表日期：

    2026年4月20日

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  • Hanying Qi,
  • Keng Yang,
  • Ruijie Wu,
  • Xin Wu,
  • Gaoxiang Wang,
  • Ziyu Zhang

摘要

This paper investigates the role of competition and regulation in the relationship of bank FinTech development and credit risk-taking among 125 Chinese commercial banks from 2010 to 2022. Empirically, FinTech increases ex ante risk-taking and reduces ex post credit risk. Mechanically, FinTech strengthens banks’ market power, thereby lowering both ex ante provisioning and ex post default risk. In contrast, FinTech-induced product differentiation raises both types of credit risk. State-owned banks possess a greater capacity for FinTech-driven risk mitigation and, simultaneously, exhibit a significant comparative advantage in acquiring market power through the adoption of FinTech. Meanwhile, stronger local financial regulation attenuates the risk-mitigating effect of FinTech. Overall, our findings offer actionable implications for prudential regulation, open banking policies, and banks’ digital transformation strategies in the FinTech era.