PBESProceedings of Business and Economic Studies2209-26412209-265XBio-Byword Scientific Publishing Pty. Ltd.10.26689/pbes.v7i4.7709ArticleThe Impact of “Fintech + Financial Regulation” Matching Level on Financial Risk: Evidence from China https://artdesignp.com/journal/PBES/7/4/10.26689/pbes.v7i4.7709SunXiaopeng2024742024-08-26Preventing financial risk is an important topic that academic circles and the government have paid attention to for a long time. The development of fintech and the improvement of financial regulation will affect the level of financial risk. The relationship between the degree of matching between fintech and financial regulation and financial risk is explored, which is crucial for reducing financial risk. Panel data from 31 provinces in China from 2011 to 2020 is used to explore the impact of fintech and financial regulatory matching levels on financial risk. The study finds that the improved matching level between fintech and financial regulation helps reduce financial risk. The degree of matching between fintech and financial regulation affects financial risk through financial efficiency.

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