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Academic Journal of Business & Management, 2020, 2(6); doi: 10.25236/AJBM.2020.020611.

Research on the Impact of Banking Financial Innovation on Operational Risk


Li Shirou, Lei Bowen, Lin Shixin, Qiu Yang

Corresponding Author:
Li Shirou

School of Finance, Zhongnan University of Economics and Law, Wuhan, Hubei, 430000


Commercial banks are the core of the financial system, and their risk-bearing capacity is an important guarantee to prevent and resolve systemic financial risks. Taking the Shanghai and Shenzhen A-share listed commercial banks from 2007 to 2018 as a sample, the intermediary effect analysis method is used to empirically study the relationship between commercial bank financial innovation, capital buffers and risk-taking. Research findings: 1.Financial innovation reduces the capital buffer of commercial banks and increases the risk-taking of commercial banks. 2.The capital buffer plays a significant intermediary role in the impact of financial innovation on commercial banks' risk-taking. 3.The governance of the professional committees in the board of directors plays a role in regulating the intermediary effect of capital buffers and helps reduce commercial banks' risk exposure.


Financial Innovation; Capital Buffer; Risk-taking

Cite This Paper

Li Shirou, Lei Bowen, Lin Shixin, Qiu Yang. Research on the Impact of Banking Financial Innovation on Operational Risk. Academic Journal of Business & Management (2020) Vol. 2, Issue 6: 76-86. https://doi.org/10.25236/AJBM.2020.020611.


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