经济学院讲师和文佳作为通讯作者发表于International Review of Financial Analysis的论文Digital finance development and bank liquidity creation。于2024年11月15日入选经济与商学领域ESI热点论文。热点论文（Hot Papers）是在过去两年内发表，并且过去两个月期间，受到引用的次数是对应学术领域中最优秀的0.1％之列。International Review of Financial Analysis为ABS3期刊，北京工商大学认定的A1期刊。

作者介绍：

和文佳，北京工商大学经济学院风险管理与保险学系讲师，主要研究方向为金融风险管理、系统性金融风险、宏观审慎政策等。主持国家社科基金青年项目1项，北京市教委社科一般项目1项，参与国家社科重大基金等国家级课题3项。

论文摘要：

This paper explores the impact of digital finance development on bank liquidity creation. Using 118 banks in China from 2011 to 2020, we find that digital finance development has a negative impact on bank liquidity creation. The inhibitory effect mainly exists in on-balance sheet and asset-side liquidity creation and has less impact on off-balance sheet liquidity creation. This negative impact is more pronounced in large banks, national banks, and banks in the western region in China. The bank risk-taking level mediates the relationship between digital finance development and bank liquidity creation.

原文链接：Digital finance development and bank liquidity creation - ScienceDirect