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In the context of financial digitization, fintech collaboration with external enterprises is progressively emerging as a pivotal way for commercial banks to accumulate specialized talent, overcome technological challenges, and enhance profitability. Meanwhile, banks also face numerous formidable challenges such as implementation difficulties and low conversion efficiency. This paper explores the impact of fintech collaborations on the profitability of commercial banks in China. The results show that the fintech strategic collaboration between commercial banks and enterprises significantly enhances the profitability of commercial banks, which is achieved by innovation capacity and business familiarity. The effect is more prominent for commercial banks in the period of banking slump, with larger size, and those without fintech subsidiaries. Additionally, there exists a nonlinear relationship in the impact, and broader collaboration may yield a diminished positive effect. The findings of this paper will provide reference for the debate on the effect of fintech on bank profitability.

Since the 1970s, China’s economy has been changing rapidly, especially after joining the World Economic and Trade Organization, and with the increase in multinational enterprises, the development of overseas markets has become more convenient, contributing to the further strengthening of our economic power. The financial industry plays an essential role in the development of a country, and commercial banks are the leaders in the financial sector. They have made significant contributions to national economic growth. Under the background of substantial economic development, the economic management decisions of commercial banks have become more complex, which makes the risks faced by commercial banks increase continuously. The rapid growth of global informatization has effectively boosted the development of all walks of life. Based on the intelligent characteristics of big data, this paper analyzes the influencing factors of economic management decisions of commercial banks based on wise choices of big data, hoping to enable commercial banks to achieve the ideal expectation of financial management of “reducing risk and creating value” to enhance the competitiveness of commercial banks in the whole market.

The paper investigates the determinants of credit risk of Islamic and conventional banks in Bangladesh. In so doing, it collects data from 30 private commercial banks comprising of seven Islamic banks and 23 conventional banks for the period 2001–2018. Collected data are analyzed using GMM estimation technique. This method is perceived to be robust because it reduces the endogeneity problem that exists in the panel data set. Analysis of data shows that among the macro-economic variables, GDP growth decreases credit risk, whereas real interest rate and inflation increase credit risk. Bank-specific variables prove that both clusters of banks suffer from adverse selection and moral hazard problems. Results also indicate that competition has a risk-enhancing effect on banks, which supports the competition-fragility nexus. Further analysis shows that board size and board independence affect the credit risk of both clusters of banks. Findings of this study suggest some policy implications from macro, bank and governance perspectives. Specifically, banks should adopt ‘speed limit’ policy to reduce the poor quality loan. Also, competition in the banking industry should be regulated. Finally, central bank should maintain uniform capital adequacy ratio for both clusters of banks. Although this study is limited to private commercial banks in Bangladesh, the results can be generalized for other emerging economies.

Using data from 133 Chinese commercial banks from 2003 to 2015, we examine the links among Internet finance, net interest margin and noninterest activities. Four main findings emerge. First, the net interest margin exerts significantly negative impacts on the noninterest activities through incentive distortion, cross-subsidization and resource restriction effects. The incentive distortion effect plays a stronger role, while the cross-subsidization and resource restriction effects play weaker roles. Second, Internet finance significantly promotes the development of noninterest activities, meaning that the technology spillover effect of Internet finance is stronger than the customer loss effect in China. Third, Internet finance strengthens the negative effects of the net interest margin on fee and commission activities but weakens the negative effects of the net interest margin on other noninterest activities. Finally, we find that the effects of the net interest margin on noninterest activities are stronger in state-owned banks than in non-state-owned banks, while the effects of Internet finance on noninterest activities are weaker in state-owned banks.

This paper estimates and compares efficiency performance of 32 commercial banks in Vietnam during 2001–2005, as well as identifies possible factors determining such efficiency performance. Efficiency is measured by a data envelopment analysis (DEA) model and super-efficiency measure through a slacks-based model (SBM) under the assumption of variable returns to scale (VRS). We find that there were a small number of efficient banks, and there would be room for these banks to improve their production efficiency. Moreover, in comparison with small banks, large banks do not guarantee high super efficiency scores. The results from a Tobit regression model provide such interesting findings as negative impact of state ownership, positive influence of bank size and market share, but no impact of labor quality.

Commercial banks are one of the main engines that enhance the economic growth of the country by managing financial transactions. Banks process and use information to run their business. Knowledge is one of the strategic resources that commercial banks use to increase their internal efficiency and to operate competitively. Knowledge-sharing barriers hinder the smooth flow of knowledge among employees which often results in negative consequences such as customer dissatisfaction, low employee learning and poor service quality. This research identified complex individual, organisational and technological factors that affect knowledge sharing and puts forward interventions that can improve the culture of knowledge sharing in an organisation. The research also revealed that although organisations put much emphasis on the development of a technological infrastructure as a means to develop their knowledge management, it is the organisational and individual factors that may prove to be more important in improving organisational knowledge management. This research has a theoretical contribution for the generalisability of existing knowledge sharing theory across different socioeconomic contexts, in particular in Ethiopia.

China’s risk disasters caused by climate change have increased the risk-taking level of China’s commercial banks, posing a threat to the stable development of financial markets. Based on the data from 152 commercial banks in China from 2011 to 2021, this paper uses the fixed effect model to analyze the effect and mechanism of China’s climate change on the risk-taking level of Chinese commercial banks. The main conclusions are as follows. (1) Climate change has significantly improved the risk-taking level of Chinese commercial banks. The results remain significant under the robustness and endogenous tests, such as dealing with endogenous problems, changing variables and adjusting sample intervals. (2) The results of heterogeneity analysis show that under different regions and different types of conditions, the impact of climate change on the risk-taking level of China’s commercial banks is heterogeneous, and the impact is stronger in urban commercial banks and eastern China. (3) The direct economic losses caused by natural disasters caused by climate change affect the risk-taking level of Chinese commercial banks; however, the adjustment of ex ante disaster insurance can weaken the impact of climate change on the risk-taking level of Chinese commercial banks. This paper studies the impact of climate change on the risk-taking level of Chinese commercial banks from the perspective of bank risk-taking level, which is of great significance to enhance the risk prevention awareness of Chinese commercial banks in response to climate change.

Based on a broad set of 16 listed commercial banks in China during the period 1999–2013, this paper makes the empirical analysis of the relationship between the development of off-balance sheet (OBS) activities and the banks' overall risk, bankruptcy risk and credit risk. Innovation of this article is mainly reflected in: (1) Considering different types of risk variables, it gives a more comprehensive disclosure of the bank's risk characteristics. (2) Dividing the research object into joint-stock commercial banks and state-owned commercial banks, and get some new test results: The development of OBS business of state-owned commercial banks increases the overall risk, bankruptcy risk and credit risk significantly. While in joint-stock commercial banks sample, the development of OBS business reduces the overall risk significantly.

This paper primarily examines both causality effect of banks’ capital regulation and risk-taking behavior based on generalized methods of moment (GMM) for a dynamic unbalanced panel observation of 32 commercial banks in Bangladesh over the period 2000–2014. The empirical findings of this study suggest that capital regulation has a significant effect on risk-taking behavior, and excessive risks impede the growth of capital ratio as well as the stability. Moreover, from bank-level data, size does not uniformly affect the quantity of capital and risk. Large banks have poor capital ratio and higher inclination to risk than small size counterpart. Small size banks are well managed in capital ratio and risk-taking that glitter their stability through the periods. Besides these effects, corporate governance notably influenced banks to reduce credit risk and enhance stability. Finally, this paper provides some implications for the think tanks and stakeholders of the country.

Digital finance, supported by advanced technologies such as big data, artificial intelligence, cloud computing, and blockchain, is profoundly changing the financial industry and model and reshaping the financial landscape. The integration and development of digital finance technology with commercial banks has enhanced the technology level of commercial banks and improved their operation and management, thus weakening commercial banks’ risk-taking level. At the same time, the development of digital finance has also prompted commercial banks to use big data technology to establish a risk early warning system and improve their risk warning and prevention capabilities. In this paper, we construct a partial equilibrium model of commercial banks’ risk-taking behavior under the constraints of digital finance and deduce the transmission mechanism of “digital finance — management cost — bank risk-taking”. A fixed-effects model is built to empirically test 163 commercial banks in China from 2011 to 2018. The results show that: (1) digital finance significantly reduces the risk-taking level of commercial banks; (2) digital finance reduces the risk-taking level of commercial banks through the channels of the breadth of coverage, depth of use, degree of payment and settlement support services, degree of credit investigation support services, and degree of digital services; (3) the use of deep channels of digital finance has the most apparent effect on reducing the risk-taking level of commercial banks.