{"title":"金融科技发展对银行经营效益的影响研究","authors":"Yong Huang, Hongmei Zhang","doi":"10.54560/jracr.v12i2.327","DOIUrl":null,"url":null,"abstract":"This paper first theoretically analyzes the influence of the development of Fintech on the operating benefit of banks from the perspective of competition and diminishing marginal benefit, then the annual data of 38 banks listed in China’s A-share market from 2015 to 2020 were selected for empirical and robustness tests by system GMM. The results show that there is a significant \"inverted U-shaped\" relationship between the development of Fintech and the operating benefit of banks, which is robust and dependable. Finally, relevant feasible suggestions for the development of Fintech in banks are provided, in order to help banks' digital transformation.","PeriodicalId":31887,"journal":{"name":"Journal of Risk Analysis and Crisis Response JRACR","volume":"10 1","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2022-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Research on the Influence of Fintech Development on the Operating Benefit of Banks\",\"authors\":\"Yong Huang, Hongmei Zhang\",\"doi\":\"10.54560/jracr.v12i2.327\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"This paper first theoretically analyzes the influence of the development of Fintech on the operating benefit of banks from the perspective of competition and diminishing marginal benefit, then the annual data of 38 banks listed in China’s A-share market from 2015 to 2020 were selected for empirical and robustness tests by system GMM. The results show that there is a significant \\\"inverted U-shaped\\\" relationship between the development of Fintech and the operating benefit of banks, which is robust and dependable. Finally, relevant feasible suggestions for the development of Fintech in banks are provided, in order to help banks' digital transformation.\",\"PeriodicalId\":31887,\"journal\":{\"name\":\"Journal of Risk Analysis and Crisis Response JRACR\",\"volume\":\"10 1\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-07-10\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Risk Analysis and Crisis Response JRACR\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.54560/jracr.v12i2.327\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Risk Analysis and Crisis Response JRACR","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.54560/jracr.v12i2.327","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
Research on the Influence of Fintech Development on the Operating Benefit of Banks
This paper first theoretically analyzes the influence of the development of Fintech on the operating benefit of banks from the perspective of competition and diminishing marginal benefit, then the annual data of 38 banks listed in China’s A-share market from 2015 to 2020 were selected for empirical and robustness tests by system GMM. The results show that there is a significant "inverted U-shaped" relationship between the development of Fintech and the operating benefit of banks, which is robust and dependable. Finally, relevant feasible suggestions for the development of Fintech in banks are provided, in order to help banks' digital transformation.
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