Analysis of the Impact of Financial Technology on the Liquidity Risk of Commercial Banks
TL;DR
The results show that most scholars believe that fintech can increase the liquidity of commercial banks, improve the level of liquidity creation and reduce risks, and provides a decision-making reference for the management of liquidity risk of commercial banks and the regulatory authorities to improve the supervision of financial technology.
Abstract
With the rapid development of financial technology, the liquidity of commercial banks has undergone tremendous changes. Based on this, this paper comprehensively combs through a number of relevant core literature at home and abroad, discusses the impact of financial technology on the liquidity risk of commercial banks, the mechanism of financial technology on the liquidity of commercial banks, summarizes relevant research conclusions and puts forward corresponding suggestions. The results show that most scholars believe that fintech can increase the liquidity of commercial banks, improve the level of liquidity creation and reduce risks. The mechanism includes the effect of debt structure optimization and the effect of asset allocation efficiency improvement. These mechanisms reshape the liquidity and risk flow of commercial banks. A few scholars believe that the development of financial technology will bring liquidity challenges to commercial banks. The research conclusion provides a decision-making reference for the management of liquidity risk of commercial banks and the regulatory authorities to improve the supervision of financial technology.