بررسی تاثیر نوآوری فین‌تک بر ریسک‌پذیری با نقش تعدیلگر ناهمگونی بانکی (شواهدی از بانک‌های ایران)
الموضوعات : فصلنامه اقتصاد محاسباتیعلیرضا شیرعلی 1 , مصطفی حیدری هراتمه 2
1 - دانشجوی دکترای مهندسی مالی، گروه مدیریت مالی، واحد دهاقان، دانشگاه آزاد اسلامی، اصفهان، ایران
2 - دانشیار گروه اقتصاد ، واحد نراق، دانشگاه آزاد اسلامی، نراق، ایران
الکلمات المفتاحية: تحلیل ناهمگونی, تکنولوژی مالی, ریسک‌پذیری, نوآوری فین‌تک ,
ملخص المقالة :
تأثیرات فزاینده شرکت‌های فین‌تک نوظهور باعث شده است که بانک‌ها با فشارهای عملیاتی فوق‌العاده‌ای مواجه شوند که بر سطوح ریسک‌پذیری آنها تأثیر می‌گذارد. نوآوری‌های فین‌تک منجر به تحولات گسترده در نظام بانکی از جمله مدیریت ریسک شده است. لذا مطالعه حاضر با هدف بررسی و تحلیل تاثیر ناهمگونی بانکی بر رابطه نوآوری فین‌تک با ریسک‌پذیری بانک‌ها با استفاده از داده‌های پنل متوازن 30 بانک در دوره زمانی 1393 - 1402 در نظر گرفته شد. بر اساس فناوری وب به طور خلاقانه شاخصی در سطح بانک؛ ایجاد و تعداد و فراوانی سالانه اخبار مربوط به نوآوری فین‌تک از هر بانک به صورت نسبت ارزش مبادلات از طریق اینترنت و موبایل به منظور خرید آنلاین و پرداخت قبوض به GDP در نظر گرفته شده است. یافته‌ها نشان داد که بهبود در نوآوری فین‌تک بانک به‌طور معنی‌داری ریسک‌پذیری را کاهش می‌دهد. تحلیل ناهمگونی اندازه بانک، نوع بانک و رقابت‌پذیری نشان می‌دهد که بانک‌های تجاری بزرگ‌تر(دولتی، خصوصی) و بسیار رقابتی، تأثیر بارزتری بر کاهش ریسک‌پذیری در توسعه نوآوری فن‌آوری دارند. همچنین آزمون‌های استحکام و پایداری، از جمله تغییر روش‌های ساخت شاخص نوآوری فین‌تک، جایگزینی شاخص‌های ریسک‌پذیری، روش کاهش تغییر نمونه مطالعه، نشان داد که یافته‌ها تغییری نداشته است.
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