Research on the Impact of FinTech on Commercial Banks' Green Credit

DOI: https://doi.org/10.62517/jse.202511501

Author(s)

Shenghang Zhou*

Affiliation(s)

School of Mathematics, Sichuan University of Arts and Science, Dazhou, Sichuan, China *Corresponding Author

Abstract

This paper selects data from 21 commercial banks spanning 2014 to 2023, constructs a FinTech index as the core explanatory variable, and uses the proportion of green credit in total bank loans as the dependent variable to conduct an empirical study with a two-way fixed effects model. A heterogeneity analysis is also performed based on bank ownership. The findings are as follows: First, FinTech promotes the development of green credit in commercial banks. Second, FinTech in state-owned banks has a significantly positive effect on green credit, which may be attributed to the fact that joint-stock banks lag behind state-owned banks in the scale of FinTech application. Based on these results, this paper proposes suggestions to address existing issues in the application of FinTech in green credit: regulatory authorities should take the lead in establishing unified standards, and focus on cultivating relevant professional talents.

Keywords

FinTech; Green Credit; Commercial Banks; Profitability

References

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