中国金融学术研究网

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Does data governance-driven financial regulation affect bank risk-taking?

认领作者认领作者管理权限

发布日期：2026年03月21日上次修订日期：2026年03月21日

Hong Zhao zhaored@mail.xjtu.edu.cn 西安交通大学管理学院 Yi Wang wangyiwangyi@stu.xjtu.edu.cn 西安交通大学管理学院

摘要

We exploit a unique financial regulatory tool with data-governance functions as a quasi-natural experiment to explore the determinants of bank risk-taking. The paper finds that Examination Analysis System Technology (EAST) reduces bank risk-taking. This result is more pronounced in banks with higher capital adequacy ratios and higher liquidity levels. We also find that the inhibitory effect of EAST on bank risk is more significant for banks in eastern regions and listed banks. Our findings highlight the positive impact of data regulation on promoting financial stability.

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关键词：

Data governance Financial regulation Bank risk-taking EAST

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