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Fintech Finance and Financial Fragility
Rose Neng Lai1; Robert Van Order2
Conference NameInternational Finance and Banking Society Asian Conference 2017
Source PublicationProceedings of International Finance and Banking Society Asian Conference 2017
Conference Date2017-11
Conference PlaceNingbo, China

Financial Technology (Fintech) is evolving quickly within the financial system, giving rise to new forms of lending and opening up a version of shadow banking. This is particularly true in China. While Fintech finance and shadow banks can improve a banking system, they can also become new sources of fragility. This paper aims to provide a theoretical analysis of risks of Fintech finance to financial sectors, with particular examples for China. These risks are most likely to be important when Fintech moves beyond its technological focus and performs financial intermediation, particularly bank-like, functions. We provide implications for the evolution of Fintech finance as new sources of payments and funding. We propose “ring-fencing” as an approach to mitigate risks from contagion.

KeywordFintech Shadow Banking Contagion Financial Fragility Interconnectedness
Fulltext Access
Document TypeConference paper
CollectionFaculty of Business Administration
Affiliation1.University of Macau
2.George Washington University
First Author AffilicationUniversity of Macau
Recommended Citation
GB/T 7714
Rose Neng Lai,Robert Van Order. Fintech Finance and Financial Fragility[C],2017.
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