金融科技对商业银行影响的演变机理研究

Research on the Evolution Mechanism of the Impact of Fintech on Commercial Banks

摘要: 随着数字经济时代的到来，金融科技的发展不仅推动了新的市场竞争和业务形式，而且还对顾客的金融消费方式产生了深远的影响，这对传统的商业银行的运营方式提出了新的要求。为了研究金融科技对于商业银行收益与经营风险的作用，我们选取2019~2023年13家不同类型的商业银行，运用文本挖掘与主成份分析等手段，计算出各银行在个人层次上的金融科技利用程度，并通过建立多变量面板回归模型对其进行验证。

Abstract: With the advent of the digital economy era, the development of financial technology not only promotes new market competition and business forms, but also has a far-reaching impact on customers’ financial consumption mode, which puts forward new requirements for the operation mode of traditional commercial banks. In order to study the role of fintech in the earnings and operational risks of commercial banks, we selected 13 different types of commercial banks from 2019 to 2023, calculated the utilization of fintech at the individual level of each bank by using text mining and principal component analysis, and verified it by establishing a multivariate panel regression model.