Human Behavior and Emerging Technologies / 2023 / Article / Tab 2 / Research Article
The Role of Fintech on Bank Risk-Taking: Mediating Role of Bank’s Operating Efficiency Table 2 Measurement of variables.
Variable Definition Reference 1 Bank risk-taking - scoreNatural logarithm of Wang & Sui [52 ] 2 Fintech development Fintech In fintech index, content analysis is adopted. Bank fintech is classified into five categories such as information transfer, risk management, resource allocation, clearing and payment, and technical base Wang et al. [6 ] 3 Bank efficiency The ratio of operating cost to total income Wang et al. [6 ] 4 Control variables Size Banks’ assets as a share of the total assets Cubillas and González [53 ] Liquidity The ratio of liquid assets to total assets Hong et al. [54 ] Income diversification The ratio of noninterest income to total income Wang et al. [6 ] Shadow income The ratio of the share of interbank business in total assets Wang et al. [6 ] Wang et al. [6 ]