In China’s bank-centered financial and economic environment, bank risk attitudes have an important impact on the effective implementation of structural monetary policy, and monetary policy can have an impact on the corporate ecosystem through risk taking by banks. To make an economic assessment of the evolution of the banking ecosystem and empirically explore the correlation between targeted Reserve Requirement Ratio (RRR) cuts and banks’ risk-taking levels in the context of financial supply-side structural reforms, this paper uses multiple regression analysis and a fixed-effects model to analyze the causal impact of targeted RRR reduction on the risk taking of Chinese commercial banks. In addition, it uses the mediation effect model to analyze the mechanism. Results show that targeted RRR cuts have significantly increased the level of risk taking of commercial banks. The findings are pronounced in urban commercial banks. However, the leverage ratio regulation has a restraining effect on the level of risk taking of banks. This study provides an effective economic evaluation for the benign development of the banking ecosystem under the environment of government policy supervision. Future research needs to expand the bank sample and further examine the changes in bank credit scale and credit investment.
In the post-epidemic era, the labor market has become increasingly complex, making it even more crucial to incorporate sustainability into employment demand. As we enter the post-pandemic era, a globalization trend has become more apparent. It is crucial to modernize employability through educational reform in order to assist employees in enhancing their professional skills. This study began by analyzing the importance of financial engineering practice instruction and graduate employability in the post-epidemic era. Second, the study proposed the content and a plan for inter-disciplinary teaching reform to address talent cultivation needs based on labor market requirements. Third, a face-to-face survey and interview were conducted with students affected by changes in teaching, and the results were analyzed and summarized. On this basis, the impact of education reform was evaluated using both the expert scoring method and the analytic hierarchy approach. The results indicated that the suggested financial engineering teaching reform program improved the school’s discipline strength, enrollment rate, employment rate, and competition awards, especially discipline strength. This research can be used to inform the teaching of financial engineering majors in various countries, assist job candidates in enhancing their professional skills, and build a formidable talent pool for the labor market.
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