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  • CN 31-2074/F
Volume 39 Issue 5
Oct.  2025
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Article Navigation >  Accounting and Economic Research  > 2025  >  39(5): 141-157
Guan Yiming, Fan Conglai. 2025. The Impact of Internationalization on Banks’ Risk-taking: Promotion or Restraint?. Accounting and Economic Research, 39(5): 141-157.
Citation: Guan Yiming, Fan Conglai. 2025. The Impact of Internationalization on Banks’ Risk-taking: Promotion or Restraint?. Accounting and Economic Research, 39(5): 141-157.
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The Impact of Internationalization on Banks’ Risk-taking: Promotion or Restraint?

  • Yangtze River Delta Economics and Social Development Research Center, Nanjing University, Nanjing Jiangsu 210093, China

  • Received Date: 2024-11-02
    Available Online: 2026-05-09
  • Publish Date: 2025-10-20
    Abstract
  • Bank internationalization is a key measure for China to advance high-level financial opening up and establish a new higher-level open economic system. However, it may also exert significant effects on banks’ risk-taking behaviors. Using micro-panel data on Chinese banks that engaged in internationalization from 2000 to 2024, this paper empirically examines the impact of internationalization on banks’ risk-taking. The results show that bank internationalization enhances the willingness for active risk-taking while reducing the level of passive risk-taking. Mechanism tests indicate that internationalization promotes active risk-taking by strengthening liquidity creation, and mitigates passive risk-taking by increasing income diversification. Heterogeneity analysis shows that these effects are more pronounced in large banks with high capital adequacy ratios, compared to smaller banks with lower capital buffers. The findings not only help clarify the risk-taking effects of bank internationalization and their underlying mechanisms, but also provide empirical evidence and valuable insights for steadily and hierarchically advancing the process of bank internationalization and implementing institutional opening-up.

     

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