Research On The Influence Of Data Governance On Bank Risk-taking

In recent years,our country banking business development of internal and external environment due to the large data,artificial intelligence,the rapid development of new technologies such as cloud computing and profound changes have taken place,during which data can play a role and value more and more important,at the same time,regulators are to strengthen the guidance and constraint of data governance of commercial bank.Therefore,China’s banking industry actively promotes the process of data governance and gives full play to its advantages,which is not only to respond to the needs of relevant national policies,but also to meet the necessary needs of China’s banking industry to comprehensively transform to high-quality development.The development of data governance will influence bank risk-taking through optimizing operation quality and efficiency,empowering fintech,improving corporate governance and improving the quality of information disclosure.Based on this,this paper uses the data of 151 Chinese commercial banks from 2008 to 2020,adopts Python crawler technology and text analysis method to construct the data governance development index of banks,and empirically analyzes the impact of data governance on bank risk taking.The results show that: first,commercial banks promote the development of data governance is conducive to reduce their own risk taking.Second,the impact of data governance on the risk taking of commercial banks of different sizes is heterogeneous.In the process of promoting the development of data governance,the risk taking of large and medium-sized banks increases,while the risk taking of small and medium-sized banks is different from that of large banks.Third,data governance has different impacts on the risk-taking of commercial banks of different natures.Under the influence of data governance,joint-stock commercial banks reduce risk taking,while state-owned banks and urban commercial banks increase risk taking,and urban commercial banks have a greater increase in risk taking than state-owned banks.In this paper,under the research for the trend of the current digital transformation of data governance in China’s banking industry development and the regulator of further guidance and supervision of the financial sector has important theoretical significance and practical significance,is helpful to guide bank of different categories for own characteristic according to focusing on data governance,maximize play data governance role in reducing risk to a bank,We will help promote high-quality national development.