As
a
result
of
the
digital
transition's
information
asymmetry,
banks
have
generated
large
number
non-performing
loans
to
maximize
profits,
therefore
endangering
financial
stability.
In
complex
and
changing
market
environment,
with
sluggish
economic
growth
cross-industry
integration,
commercial
banks,
major
driver
development,
must
define
how
their
transformation
impacts
risks
in
order
sustain
operational
efficiency
steady
growth.
This
paper
takes
116
China
from
2014
2021
as
research
object,
innovatively
combines
moderating
effect
bank's
external
inclusive
development
test
impact
bank
on
credit
risk
intermediary
profitability.
The
moderated
mediation
models
show
that
inclusion
suppresses
negative
by
increasing
Therefore,
should
increase
collaboration
other
institutions,
jump
fast
track
finance
broaden
scope
online
customer
services,
leverage
technology
swiftly
identify
lenders'
credit,
source
high-quality
customers
boost
lessen
risks.
Many
previous
studies
have
used
the
Z-score
as
a
proxy
of
banks'
risk-taking
and
stability
considering
reverse
relation
between
them.
I
argue
that
this
is
not
necessarily
to
be
inverse.
The
relevant
for
but
stability.
paper
uses
Z-score,
standard
deviation
ROA,
NPL,
RWA
measure
while
using
GDR,
CAR,
AQM,
LLP
find
higher
competition
increases
probability
banks
engaging
in
behavior
reduces
likelihood
their
As
a
result
of
the
digital
transition's
information
asymmetry,
banks
have
generated
large
number
non-performing
loans
to
maximize
profits,
therefore
endangering
financial
stability.
In
complex
and
changing
market
environment,
with
sluggish
economic
growth
cross-industry
integration,
commercial
banks,
major
driver
development,
must
define
how
their
transformation
impacts
risks
in
order
sustain
operational
efficiency
steady
growth.
This
paper
takes
116
China
from
2014
2021
as
research
object,
innovatively
combines
moderating
effect
bank's
external
inclusive
development
test
impact
bank
on
credit
risk
intermediary
profitability.
The
moderated
mediation
models
show
that
inclusion
suppresses
negative
by
increasing
Therefore,
should
increase
collaboration
other
institutions,
jump
fast
track
finance
broaden
scope
online
customer
services,
leverage
technology
swiftly
identify
lenders'
credit,
source
high-quality
customers
boost
lessen
risks.
