The influence of fintech on the non-performing loan rate of commercial banks evidence from China
Autor(a) principal: | |
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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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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 |
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Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação |
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RCAAP |
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RCAAP |
reponame_str |
Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
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Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
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Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação |
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