Research on the Impact of Financial Science and Technology Innovation on the Operating Efficiency of Commercial banks:Analysis Based on Technological Progress
Based on the realistic background of technological progress promoting financial science and technology innovation,taking China's provincial panel data from 2011 to 2018 as the research sample,this paper uses the multi-ple matching data of China patent database,Wind database,BANKSCOPE database,annual reports of various com-mercial banks,China Financial Yearbook and China Statistical Yearbook,systematically tests the impact of financial science and technology innovation based on technological progress on the operating efficiency of commercial banks.The results show that financial science and technology innovation based on technology plays a positive role in promoting the return on net assets,total asset turnover and per capita profit rate of commercial banks,this shows that financial tech-nology innovation based on technology can effectively improve the operating efficiency of commercial banks.According to the empirical research results,in order to improve the financial science and technology innovation ability of commer-cial banks at the technical level,the following countermeasures and suggestions are put forward:vigorously develop basic science and technology research,drive financial science and technology innovation,strengthen the training of fi-nancial science and technology innovation talents,and strengthen the cooperation between commercial banks and finan-cial science and technology enterprises.
万方数据
