Relativity Research Between Information Technique Innovation and Risk Control Capability in China?s State-owned Commercial Banks

摘要

The information technique innovation gradually became the most important power source due to the impact of ?information technique paradox?, which promoted the risk control capability of stated-owned commercial banks. Research assumption and factor system are given. The structure equation model is established. The data collection, credit certification, validity certification and model identification are conducted. Results show that, α coefficient is 0.8989. The inside consistency coefficient of 4 index is 0.7134 while the relativity and α coefficient have no bigger fluctuation for technique innovation of information technique factor. The minimum of load is 0.61 and the biggest value is 0.92 for these 12 indexes of information technique innovation measure system. The minimum T is 2.11, the RMSEA is 0.043, the NNFI is 0.9323 and the CFI is 0.9121. It is clear that the measure system has better credit and validity. The application innovation of information technique enhances the credit risk control ability, market risk control ability and comprehensive risk control ability in state-owned commercial banks.