The influence of fintech on the non-performing loan rate of commercial banks evidence from China

Detalhes bibliográficos
Autor(a) principal: Huaqiuhao Wu
Data de Publicação: 2021
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
Texto Completo: http://hdl.handle.net/10071/24240
Resumo: This dissertation explore the impact of the development of fintech technology on the non-performing loan rate through statistical analysis of the data of several Chinese commercial banks during the period of 2011-2019. This document employs the multilevel regression analysis, and the data collected include listed commercial banks, state-owned banks, and unlisted commercial banks. At the same time, macroeconomic variables are also added as control variables. The results of the random effects model show that the development of fintech technology has slightly increased the non-performing loan rate of listed commercial banks, while the Fintech index has no statistically significant impact on unlisted commercial banks. The results are also subject to robustness checks.
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spelling The influence of fintech on the non-performing loan rate of commercial banks evidence from ChinaSetor bancário chinêsTaxa de créditoFintechBancos públicosBancos comerciaisChinese banking industryNon-performing loan rateListed banksCommercial banksThis dissertation explore the impact of the development of fintech technology on the non-performing loan rate through statistical analysis of the data of several Chinese commercial banks during the period of 2011-2019. This document employs the multilevel regression analysis, and the data collected include listed commercial banks, state-owned banks, and unlisted commercial banks. At the same time, macroeconomic variables are also added as control variables. The results of the random effects model show that the development of fintech technology has slightly increased the non-performing loan rate of listed commercial banks, while the Fintech index has no statistically significant impact on unlisted commercial banks. The results are also subject to robustness checks.Esta Dissertação investiga o impacto do desenvolvimento das fintechs na taxa de maus empréstimos non-performing através de uma análise estatística de dados de vários bancos comerciais chineses durante o período de 2011 a 2019. A abordagem empírica de regressão multinível foi utilizada e os dados extraídos são de bancos comerciais de capital publicamente disperso, estatais, e não-estatais. Ao mesmo tempo, as variáveis macroeconómicas foram adicionadas como variáveis de controle. Os resultados do modelo de efeitos aleatórios indicam que o desenvolvimento das fintechs aumentou ligeiramente a taxa de empréstimos non-performing dos bancos comerciais de capital publicamente disperso, enquanto o impacto do índice fintechs sobre os bancos comerciais não listados não foi estatisticamente significativo. Os resultados também foram sujeitos a testes de robustez.2022-01-21T13:09:53Z2021-12-13T00:00:00Z2021-12-132021-10info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10071/24240TID:202842673engHuaqiuhao Wuinfo:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2023-11-09T17:28:49Zoai:repositorio.iscte-iul.pt:10071/24240Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-19T22:12:55.561857Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse
dc.title.none.fl_str_mv The influence of fintech on the non-performing loan rate of commercial banks evidence from China
title The influence of fintech on the non-performing loan rate of commercial banks evidence from China
spellingShingle The influence of fintech on the non-performing loan rate of commercial banks evidence from China
Huaqiuhao Wu
Setor bancário chinês
Taxa de crédito
Fintech
Bancos públicos
Bancos comerciais
Chinese banking industry
Non-performing loan rate
Listed banks
Commercial banks
title_short The influence of fintech on the non-performing loan rate of commercial banks evidence from China
title_full The influence of fintech on the non-performing loan rate of commercial banks evidence from China
title_fullStr The influence of fintech on the non-performing loan rate of commercial banks evidence from China
title_full_unstemmed The influence of fintech on the non-performing loan rate of commercial banks evidence from China
title_sort The influence of fintech on the non-performing loan rate of commercial banks evidence from China
author Huaqiuhao Wu
author_facet Huaqiuhao Wu
author_role author
dc.contributor.author.fl_str_mv Huaqiuhao Wu
dc.subject.por.fl_str_mv Setor bancário chinês
Taxa de crédito
Fintech
Bancos públicos
Bancos comerciais
Chinese banking industry
Non-performing loan rate
Listed banks
Commercial banks
topic Setor bancário chinês
Taxa de crédito
Fintech
Bancos públicos
Bancos comerciais
Chinese banking industry
Non-performing loan rate
Listed banks
Commercial banks
description This dissertation explore the impact of the development of fintech technology on the non-performing loan rate through statistical analysis of the data of several Chinese commercial banks during the period of 2011-2019. This document employs the multilevel regression analysis, and the data collected include listed commercial banks, state-owned banks, and unlisted commercial banks. At the same time, macroeconomic variables are also added as control variables. The results of the random effects model show that the development of fintech technology has slightly increased the non-performing loan rate of listed commercial banks, while the Fintech index has no statistically significant impact on unlisted commercial banks. The results are also subject to robustness checks.
publishDate 2021
dc.date.none.fl_str_mv 2021-12-13T00:00:00Z
2021-12-13
2021-10
2022-01-21T13:09:53Z
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/masterThesis
format masterThesis
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10071/24240
TID:202842673
url http://hdl.handle.net/10071/24240
identifier_str_mv TID:202842673
dc.language.iso.fl_str_mv eng
language eng
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.source.none.fl_str_mv reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron:RCAAP
instname_str Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron_str RCAAP
institution RCAAP
reponame_str Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
collection Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
repository.name.fl_str_mv Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
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