Ji Ge , Hairong Tang , Yuzhe Dong , Zongshang Yang , Chen Chen
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Digital financial effect on risk-taking of small- and medium-sized commercial banks: Mediation through management costs
This study employs a dataset encompassing 145 small- and medium-sized commercial banks (SMCBs) from 2012 to 2022 to explore how digital finance impacts their risk-assuming conduct. Results indicate that advancing digital finance significantly reduces banks’ risk-taking activities. Furthermore, a disparity exists in the impact of digital financial development on risk-taking levels between urban and rural commercial banks. Furthermore, management costs act as an intermediary factor in the relationship between digital financial development and the risk-taking levels of SMCBs.
期刊介绍：
Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies.
Papers are invited in the following areas:
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