金融科技和大型科技信贷：一个新的数据库（英文版）（35页）.pdf

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1、 BIS Working Papers No 887 Fintech and big tech credit: a new database by Giulio Cornelli, Jon Frost, Leonardo Gambacorta, Raghavendra Rau, Robert Wardrop and Tania Ziegler Monetary and Economic Department September 2020 JEL classification: E51, G23, O31. Keywords: fintech, big tech, credit, data, t

2、echnology, digital innovation. BIS Working Papers are written by members of the Monetary and Economic Department of the Bank for International Settlements, and from time to time by other economists, and are published by the Bank. The papers are on subjects of topical interest and are technical in ch

3、aracter. The views expressed in them are those of their authors and not necessarily the views of the BIS. This publication is available on the BIS website (www.bis.org). Bank for International Settlements 2020. All rights reserved. Brief excerpts may be reproduced or translated provided the source i

4、s stated. ISSN 1020-0959 (print) ISSN 1682-7678 (online) Fintech and big tech credit: a new database 1 Fintech and big tech credit: a new database1 Giulio Cornelli, Jon Frost,* Leonardo Gambacorta, Raghavendra Rau,* Robert Wardrop* and Tania Ziegler* Bank for International Settlements,* Cambridge Ce

5、ntre for Alternative Finance, CEPR Abstract Fintech and big tech platforms have expanded their lending around the world. We estimate that the flow of these new forms of credit reached USD 223 billion and USD 572 billion in 2019, respectively. China, the United States and the United Kingdom are the l

6、argest markets for fintech credit. Big tech credit is growing fast in China, Japan, Korea, Southeast Asia and some countries in Africa and Latin America. Cross-country panel regressions show that such lending is more developed in countries with higher GDP per capita (at a declining rate), where bank