Research on the Influence of Financial Technology on The Profitability of Small and Medium-sized Commercial Banks


  • Yao Yang



Financial technology, Commercial banks, Profitability, PKU inclusive financial index.


 This paper analyzes the overall profitability of city commercial banks and agricultural commercial banks, analyzes how financial technology has an impact from the existing theory and impact mechanism, and establishes panel data in the empirical part for analysis, it is concluded that financial technology can promote the profitability of small and medium-sized commercial banks, but there is heterogeneity between urban and rural commercial banks, finally, the paper gives some suggestions on the healthy upgrading and transformation of small and medium-sized banks and how to regulate the use of financial technology by regulatory authorities.


Download data is not yet available.


Metrics Loading ...


Gayle Delong,Robert Deyoung (2007) Learning by Observing: Information Spillovers in the Execution and Valuation of Commercial Bank M&As. The Journal of Finance, 62(1) : 181-126.

Li, D., Xu, Y. (2014) Deep thinking on the impact of internet financing on banks. International Finance, 5: 64-67.

Zhan, M., Liu, Z., Xu, Y., et al. (2018) Money and credit: who forecasts output more accurately? A comparative study of machine learning algorithms . Financial Forum, 23(06) : 38-52.

Li, spigt & Swinkels. (2017) The impact of fintech start-ups on the share prices of existing retail banks. Finance Sunac, 1: 26.

Wang Ke, Wu Qing Li Ji. Financial Technology and commercial bank risk-taking: an empirical analysis based on China's banking industry. Management modernization, 2017, 37(06) : 100-104

Tang, Y. (2021) How does the development of financial technology in commercial banks affect credit business? Evidence based on text mining of annual reports of listed banks. Finance and Economics, 2: 38-44.

Yao Ting, Song liangrong. Research on the impact of financial technology on economic capital of commercial bank credit risk . Science and technology management research, 2021, 41(01): 104-110.




How to Cite

Yang, Y. (2023). Research on the Influence of Financial Technology on The Profitability of Small and Medium-sized Commercial Banks. Frontiers in Business, Economics and Management, 7(1), 227–231.