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This research examines the influence of fintech innovation and green credit on the risk-taking of Chinese commercial banks over the 2009–2023 period, employing a panel fixed effects approach with financial data sourced from listed commercial banks. The research findings demonstrate that fintech development can significantly reduce the risk-taking level of commercial banks; green credit also significantly lowers the risk-taking level of commercial banks. The analysis of moderating effects reveals that fintech development exerts a significant moderating effect on the relationship between green credit and commercial banks' risk-taking. Additionally, the heterogeneity analysis indicates that the impact of fintech development on commercial banks' risk-taking level exhibits heterogeneity between banks with high and low non-performing loan ratios.
Duan et al. (Wed,) studied this question.