Effect of Mobile Payment Development on the Profitability of Commercial Banks under the Background of Fintech
Based on the data of 105 commercial banks in China from 2013 to 2018,we analyze the effect of mobile payment on the prof-itability of commercial banks.The results show that mobile payment decreases the overall profitability of commercial banks and the inter-est income,and the profit structure changes,with the proportion of non-interest income rising significantly.Moreover,the effect of mo-bile payment on the profitability of different types of commercial banks is heterogeneous,with more obvious effect on urban commercial banks and rural commercial banks.As for large state-owned commercial banks and joint-stock commercial banks,the effect is relatively small.Finally,we give some suggestions for commercial banks to adapt to the development of financial science and technology.
NETL
NSTL
万方数据
