Financial Technology, Market Contest and Commercial Bank’ Business Performance

Xingrui Peng, Yingjia Xiao () and Sisi Ma
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Xingrui Peng: Beijing Normal University
Yingjia Xiao: Beijing Normal University
Sisi Ma: Beijing Normal University

A chapter in Proceedings of the 8th International Conference on Financial Innovation and Economic Development (ICFIED 2023), 2023, pp 543-551 from Springer

Abstract: 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.

Keywords: Commercial bank performance; Market contest; Fintech (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-142-5_61

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DOI: 10.2991/978-94-6463-142-5_61

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