Analysis of the Impact of Financial Technology on the Liquidity Risk of Commercial Banks

Main Article Content

Mingrui Su
School of Finance, Jilin University of Finance and Economics, Changchun, China

DOI: https://doi.org/10.70267/fer.v3n4.4752

Keywords

fintech, commercial banks, liquidity risk

Abstract

With the rapid development of financial technology, the liquidity of commercial banks has undergone tremendous changes. Based on this, this paper comprehensively combs through a number of relevant core literature at home and abroad, discusses the impact of financial technology on the liquidity risk of commercial banks, the mechanism of financial technology on the liquidity of commercial banks, summarizes relevant research conclusions and puts forward corresponding suggestions. The results show that most scholars believe that fintech can increase the liquidity of commercial banks, improve the level of liquidity creation and reduce risks. The mechanism includes the effect of debt structure optimization and the effect of asset allocation efficiency improvement. These mechanisms reshape the liquidity and risk flow of commercial banks. A few scholars believe that the development of financial technology will bring liquidity challenges to commercial banks. The research conclusion provides a decision-making reference for the management of liquidity risk of commercial banks and the regulatory authorities to improve the supervision of financial technology.

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Published
Sep 3, 2026
Issue
Vol. 3 No. 4 (2026)
Section
Research Articles
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This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite

Su, M. (2026). Analysis of the Impact of Financial Technology on the Liquidity Risk of Commercial Banks. Financial Economics Research, 3(4), 47-52. https://doi.org/10.70267/fer.v3n4.4752