Fintech, bank concentration and commercial bank profitability: Evidence from Chinese urban commercial banks

Linwen Li, Wei Gao and Wanhong Gu

Finance Research Letters, 2023, vol. 57, issue C

Abstract: This article empirically examines the non-linear relationship and moderating effect between fintech, bank concentration and commercial bank profitability using unbalanced panel data of 131 urban commercial banks in China from 2010 to 2021. The results show that the relationship between fintech and commercial bank profitability exhibits a non-linear relationship of inhibition followed by promotion. Bank concentration has a negative moderating effect on the impact of fintech on commercial bank profitability, and fintech has a crowding-out effect on banks' profits as bank concentration rises. The findings of this paper help to respond to the current debate on fintech and traditional banking.

Keywords: Fintech; Commercial bank profitability; Bank concentration; Moderating effect; Non-linear effect (search for similar items in EconPapers)
Date: 2023
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (7)

Downloads: (external link)
http://www.sciencedirect.com/science/article/pii/S1544612323006062
Full text for ScienceDirect subscribers only

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:eee:finlet:v:57:y:2023:i:c:s1544612323006062

DOI: 10.1016/j.frl.2023.104234

Access Statistics for this article

Finance Research Letters is currently edited by R. Gençay

More articles in Finance Research Letters from Elsevier
Bibliographic data for series maintained by Catherine Liu ().