Analysis on the Impact of Fintech on the Profitability of Commercial Banks
In recent years,with the wide application of artificial intelligence,big data and other technologies in the financial field,the service model of the financial industry is undergoing changes.As a major pillar of the financial industry,commercial banks are dominant in China's financial system,and the impact of the development of financial technology on profitability of commercial banks has also become an important topic of current research.Based on this,the article selects 47 different types of commercial banks in China as the research object,uses the profitability index data from 2013 to 2023,and constructs the fintech index by using the text mining method.It uses the panel model to carry out the regression,and finally comes to the conclusion that the development of fintech improves the profitability of commercial banks,and there is a heterogeneity of the impact on different types of commercial banks.
万方数据
维普
