Based on the panel data from 469 commercial banks during 2011-2020,this paper uses text mining methods to construct indicators for the development of bank fintech and studies the multidimensional relationship between fintech development and bank quality and efficiency improvement.The research shows that the development of fintech by banks can enhance their financial service capabilities and management to increase operational efficiency,improve credit risk con-trol levels to optimize the cost and efficiency,and ultimately achieve bank quality and efficiency improvement.The hetero-geneity analysis shows that the impact of bank fintech on the revenue and operating costs of large banks is slightly de-layed,but the overall effect of fintech on optimizing operational performance is more prominent in large banks.
关键词
金融科技/提质增效/银行/数字化转型/文本挖掘
Key words
financial technology/improvement of quality and efficiency/bank/digital transformation/text mining method
维普
万方数据