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Contribution Details

Type Master's Thesis
Scope Discipline-based scholarship
Title Impact of Internet Finance on Banks' Liquidity in China
Organization Unit
  • Qiqi Dong
  • Steven Ongena
  • English
Institution University of Zurich
Faculty Faculty of Business, Economics and Informatics
Date 2022
Abstract Text This paper gives a brief introduction about the status of Internet finance in China and introduce the impact of Internet finance on commercial banks in terms of liquidity assets and liquidity liabilities. Then, data of 80 commercial banks in China from 2013 to 2020 were selected to empirically analyzes the association between the development of Internet finance and banks’ liquidity performance by establishing a regression model and further proofed by a panel regression model. The results show that: Internet finance has a significant positive impact on liquidity performance of commercial banks in China. The results of the robustness test indicate that the impact of Internet finance on the liquidity of small banks, such as city commercial banks and rural commercial banks, is more significant than that of state-owned banks or joint-stock banks. Compared to listed banks, non-listed banks are more likely to be affected. Overall, in the new financial ecology, deep integration of information technology and active transformation to financial technology innovation is an important strategic way for the sustainable development of traditional commercial banks.
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