ABSTRACT
Financial science and technology is a technology-driven financial innovation, which aims to use modern scientific and technological achievements to transform or innovate financial products, business models, business processes, etc., and to promote financial development, improve quality and increase efficiency. This paper uses data mining technology to construct an index of the degree of financial technology application of G-SIBs, and uses the 2019 G-SIBs data to examine the heterogeneous impact of financial technology application on different types of G-SIBs risks. The results show that: with the adjustment of G-SIBs itself and the standardization of supervision, the risk-taking level of G-SIBs is effectively suppressed. Non-systemic and significant banks have good risk-taking ability. In this process, G-SIBs seized some high-quality and low-risk customers of small and medium-sized banks due to its advantages in capital cost, which had crowding-out effect on small and medium-sized banks.
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