This research explores the cutting-edge intersection of financial technology (fintech) advancements and their impact on green credit provision within China's publicly traded banks from 2007 to 2022, with a particular focus on credit modeling innovation. It rigorously examines the complex, non-linear dynamics between fintech evolution and green credit distribution, revealing a positive U-shaped correlation. Initial stages of fintech maturity are found to be associated with increased green credit risk, negatively affecting the volume of green credit. In contrast, sophisticated fintech infrastructures significantly enhance green credit volumes by improving resource allocation and credit risk assessment models. Utilizing a comprehensive multiple linear regression approach, this study highlights the transformative role of fintech in advancing sustainable banking practices, particularly through innovations in credit modeling that enhance green credit risk management and resource allocation efficiency.
Stored only when both papers are in the corpus — 36 citations exist upstream.
Imported from OpenAlex (CC0) — nothing here is generated.