欧洲央行-IT有帮助吗？银行业和创业中的信息技术（英）-2024.7-87页

WorkingPaperSeriesDoesIThelp?InformationtechnologyinbankingandentrepreneurshipToniAhnert,SebastianDoerr,NicolaPierri,YannickTimmerDisclaimer:ThispapershouldnotbereportedasrepresentingtheviewsoftheEuropeanCentralBank(ECB).TheviewsexpressedarethoseoftheauthorsanddonotnecessarilyreflectthoseoftheECB.No2956AbstractWestudytheimportanceofinformationtechnology(IT)inbankingforentrepreneurship.Guidedbyaparsimoniousmodel,weestablishthatjobcreationbyyoungfirmsisstrongerinUScountiesmoreexposedtobankswithgreaterITadoption.Wepresentevidenceconsistentwithbanks’ITadoptionspurringentrepreneurshipthroughacollateralchan-nel:entrepreneurshipincreasesbymoreinIT-exposedcountieswhenhousepricesrise.FurtheranalysissuggeststhatITimprovesbanks’abilitytodeterminecollateralvalues,inparticularwhencollateralappraisalismorecomplex.ITalsoreducesthetimeandcostofdisbursingcollateralizedloans.JELclassification:D82,G21,L26.Keywords:technologyinbanking,entrepreneurship,informationtechnology,collateral,screening.ECBWorkingPaperSeriesNo29561Non-technicalsummaryFocusInformationtechnology(IT)hasdramaticallychangedhowinformationisusedinthefinancialsector.Thismayaffectthesupplyofcreditfrombanks,asakeyfunctionofbanksistoscreenandmonitorborrowers.Lendingtoopaqueborrowers,suchasyoungfirmsandstart-ups,islikelytobeespeciallysensitivetosuchchangesinIT.Ther...