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Financial Technology, Market Contest and Commercial Bank’ Business Performance

In: Proceedings of the 8th International Conference on Financial Innovation and Economic Development (ICFIED 2023)

Author

Listed:
  • Xingrui Peng

    (Beijing Normal University)

  • Yingjia Xiao

    (Beijing Normal University)

  • Sisi Ma

    (Beijing Normal University)

Abstract

The paper examines the effects of Fintech and Competitive markets on Commercial Bank Performance by constructing a panel data model with annual panel data of nine Commercial Bank during 2016–2020 as a sample. The conclusions show that there is a relatively negative correlation between Fintech and commercial banks' business performance, i.e., the development of Fintech will not only not improve banks' business performance, but also will make it lower; while market contest has a positive effect of commercial banks' business, i.e., fierce market contest is beneficial to commercial banks' business and development. A series of robustness tests show that the above findings still hold. The conclusions of this paper provide policy insights for Commercial Bank to better improve its business performance and have some guiding significance of Development of China's National Economy.

Suggested Citation

  • Xingrui Peng & Yingjia Xiao & Sisi Ma, 2023. "Financial Technology, Market Contest and Commercial Bank’ Business Performance," Advances in Economics, Business and Management Research, in: Yushi Jiang & Guangming Li & Wilson Xinbao Li (ed.), Proceedings of the 8th International Conference on Financial Innovation and Economic Development (ICFIED 2023), pages 543-551, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-142-5_61
    DOI: 10.2991/978-94-6463-142-5_61
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