The Impact of Green Credit on Bank Risk-Taking: Based on the Moderating Effect of FinTech

Based on panel data from 20 representative listed commercial banks in China between 2015 and 2023, this study conducts an empirical analysis of the effect of green credit on bank risk-taking, with a specific focus on the moderating function of FinTech. The results indicate that green credit plays a significant role in reducing risk exposure among commercial banks. Furthermore, FinTech is found to strengthen this risk-alleviating impact. The inhibitory influence of green credit on risk-taking is also more substantial in large state-owned commercial banks compared to their non-state-owned counterparts. By examining the interplay between green credit and bank risk-taking from a risk-bearing perspective, this research elucidates the facilitatory role of FinTech and offers novel insights and a theoretical foundation for commercial banks to evaluate green credit risks, develop evidence-based risk management frameworks, and optimize policy support systems for green finance.