| 摘要: |
| 金融科技冲击了传统金融行业的运行模式，商业银行作为传统金融行业的主要参与者，必然会受到金融科技的影响。基于2014－2023年中国514家商业银行的非平衡面板数据，采用双向固定效应模型实证探究金融科技发展如何“赋能”商业银行经营绩效。研究表明：（1）从动态视角来看，金融科技与商业银行绩效间呈现“U型”关系；（2）从影响机制来看，金融科技发展通过成本运营渠道、信贷风险渠道、中间业务渠道来影响商业银行经营绩效；（3）从异质性角度来看，相较于国有大行和股份制商行，金融科技对农商行与城商行绩效提升更为显著。因此，政府应引领金融科技，护航银行科技融合；商业银行应深化科技合作，提升金融服务效能；金融科技企业应创新引领，助推银行数智升级。 |
| 关键词: 关键词：金融科技；经营绩效；U型；商业银行 |
| DOI： |
| 分类号:F832.3 |
| 基金项目:基金项目：国家社会科学基金一般项目“金融科技创新与监管的激励相容机制及政策设计”（21BJY148）。 |
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| FinTech and Commercial Banks’ Operating Performance：A “U-Shaped” Relationship |
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BU Ya,TANG Min
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(School of Economics and Management,Jiangsu University of Science and Technology)
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| Abstract: |
| FinTech has transformed the operational mode of the traditional financial industry.As key players in this industry,commercial banks are inevitably impacted by the advancements in FinTech.Using unbalanced panel data from 514 commercial banks in China spanning from 2014 to 2023,this study empirically explores how financial technology development “empowers” the operational performance of commercial banks through a two-way fixed effects model.The research findings reveal that:(1) from a dynamic perspective,there is a “U-shaped” relationship between financial technology and commercial bank performance;(2) in terms of the impact mechanism,financial technology development influences commercial bank performance through cost operation channels,credit risk channels,and intermediary business channels;(3) from the perspective of heterogeneity,compared to state-owned and joint-stock commercial banks,financial technology has a more significant effect on enhancing the performance of rural and urban commercial banks.Therefore,governments should lead the development of financial technology to support the integration of technology in the banking sector;commercial banks should deepen technological cooperation to improve financial service efficiency;and financial technology enterprises should lead innovation and drive the digital and intelligent upgrading of banks. |
| Key words: Key words：FinTech;Operating Performance;U-Shaped;Commercial Banks |
