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Wie ist Fintech-Innovation für die Fragilität von Banken in Afrika Südlich der Sahara (ASS) von Bedeutung?
[How does Fintech Innovation Matter for Bank Fragility in Sub Saharan Africa (SSA)?]

Author

Listed:
  • Christian-Lambert Nguena

    (Université de Dschang)

Abstract

Es gibt eine bedeutsame Debatte über die Rolle, die Finanztechnologie-Innovationen (Fintech) für die Fragilität des Bankensektors spielen. Angesichts der Bedeutung finanzieller Solidität, widersprüchlicher theoretischer Vorhersagen und empirischer Belege ist eine eingehende Untersuchung dieses Zusammenhangs erforderlich. Anhand von Daten von 690 Banken in 34 Ländern südlich der Sahara für den Zeitraum 1999-2015 sowie von FGLS, GMM, Panel Threshold Regression und PCA-Ökonometriemethode wird in diesem Artikel der Einfluss von Fintech-Innovationen auf die Fragilität von Banken empirisch untersucht. Hauptsächlich wird die destabilisierende Wirkung von Fintech-Innovationen für unsere Basisuntersuchung bestätigt, später jedoch mit einer stabilisierenden Wirkung nach einem bestimmten Schwellenwert relativiert. Darüber hinaus unterstreichen die Ergebnisse auch, dass das makroökonomische Umfeld für die Erklärung der Fragilität von Banken wichtig ist, und schlugen vor, dass die öffentliche Ordnung einige spezifische destabilisierende Folgen für das Bankensystem berücksichtigen sollte. Außerdem zeigt der simultane Hypothesentest des Nexus der Innovationsagilität, der von einigen relevanten Variablen abhängig ist, dass finanzielle Offenheit eine Rolle spielt, während Investitionen, kommerzielle Offenheit und Geldpolitik dies nicht tun. Schließlich bestätigt die vergleichende Analyse unsere Heterogenitätshypothese; Länder mit einem großen Bankensektor, der von Frankreich und Mitgliedern der Währungsunion kolonialisiert wurde, schneiden in Bezug auf die Solidität der Banken besser ab als die anderen. Diese Ergebnisse deuten darauf hin, dass eine geeignete Fintech-Innovationspolitik auch zwischen denselben Regionen sehr unterschiedlich sein könnte. Finanzielle Instabilität schien auch die Fragilität der Banken zu erhöhen. Dieses Papier trägt zur begrenzten Literatur über Fintech-Innovationen auf Makro- und Mikroebene in Afrika südlich der Sahara bei.

Suggested Citation

  • Christian-Lambert Nguena, 2020. "Wie ist Fintech-Innovation für die Fragilität von Banken in Afrika Südlich der Sahara (ASS) von Bedeutung? [How does Fintech Innovation Matter for Bank Fragility in Sub Saharan Africa (SSA)?]," Post-Print hal-03216890, HAL.
    • Handle: RePEc:hal:journl:hal-03216890
    Note: View the original document on HAL open archive server: https://hal.science/hal-03216890
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    References listed on IDEAS

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    Keywords

    Fintech innovation; Bank fragility; Threshold regression; Technology transformation;
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