Đầu tư công nghệ và sự ổn định của hệ thống ngân hàng Việt Nam

Nga Trần Thị Thanh; Duy Phạm Khánh; Toàn Lê Vũ Linh

doi:10.24311/jabes/2023.34.4.3

Các tác giả

Trần Thị Thanh Nga Trường Đại học Tài chính Marketing Tác giả
Phạm Khánh Duy Trường Đại học Kinh tế TP. Hồ Chí Minh Tác giả
Lê Vũ Linh Toàn Trường Đại học Văn Lang Tác giả

DOI:

https://doi.org/10.24311/jabes/2023.34.4.3

Từ khóa:

Công nghệ thông tin, Ổn định tài chính, Hiệu quả hoạt động ngân hàng, GMM, Việt Nam, Nền kinh tế mới nổi

Tóm tắt

Sự ổn định của hệ thống ngân hàng là chủ đề thu hút được nhiều sự quan tâm của các nhà nghiên cứu, các nhà quản lý và hoạch định chính sách trong nhiều năm qua. Tuy nhiên, câu hỏi liệu rằng xu hướng đầu tư vào công nghệ thông tin đang phát triển chóng mặt trên toàn cầu có tác động đến sự ổn định của ngành ngân hàng hay không vẫn chưa được nghiên cứu kỹ càng. Nghiên cứu này xem xét mối quan hệ giữa đầu tư công nghệ thông tin và sự ổn định của ngân hàng trên bảng dữ liệu của các ngân hàng Việt Nam từ năm 2010 đến năm 2020. Bằng phương pháp SGMM, kết quả nghiên cứu đề xuất rằng chi tiêu cho công nghệ thông tin có thể cải thiện sự ổn định của ngân hàng nói chung. Ngoài ra, kết quả cũng cho thấy đầu tư công nghệ thông tin giúp các ngân hàng lớn ổn định hơn nhưng lại khiến các ngân hàng nhỏ gặp nhiều rủi ro hơn.

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