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International Journal of Innovation and Applied Studies
ISSN: 2028-9324     CODEN: IJIABO     OCLC Number: 828807274     ZDB-ID: 2703985-7
 
 
Thursday 28 March 2024

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The Influence of Fintech on Regional Financial Risk and Its Spatial Spillover Effect


Volume 36, Issue 2, May 2022, Pages 313–319

 The Influence of Fintech on Regional Financial Risk and Its Spatial Spillover Effect

Haoxuan Peng1 and Shu Zhao2

1 Jinan Xinhang Experimental Foreign Language schools, Jinan, Shandong, China
2 School of Business, University of Jinan, Jinan, Shandong, China

Original language: English

Copyright © 2022 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

Abstract


This paper uses data from 30 provinces in China from 2011 to 2018 as samples to analyze the impact of fintech on regional financial risks and its spatial spillover effects using spatial Dubin model. The analysis shows that fintech can restrain the accumulation of regional financial risks, but will accelerate the spillover of financial risks to neighboring regions. Therefore, the following suggestions are put forward: construct the fintech infrastructure system; perfect the construction of financial system and optimize the financial environment; attach importance to financial regulation.

Author Keywords: Finance technology, digital finance, financial risk, spatial spillover effect, spatial Dubin model.


How to Cite this Article


Haoxuan Peng and Shu Zhao, “The Influence of Fintech on Regional Financial Risk and Its Spatial Spillover Effect,” International Journal of Innovation and Applied Studies, vol. 36, no. 2, pp. 313–319, May 2022.