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

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Financial Technology, Market Contest and Commercial Bank’ Business Performance

Authors
Xingrui Peng1, Yingjia Xiao1, *, Sisi Ma1
1Beijing Normal University, Zhuhai, 519000, China
*Corresponding author. Email: 913254983@qq.com
Corresponding Author
Yingjia Xiao
Available Online 15 May 2023.
DOI
10.2991/978-94-6463-142-5_61How to use a DOI?
Keywords
Commercial bank performance; Market contest; Fintech
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.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 8th International Conference on Financial Innovation and Economic Development (ICFIED 2023)
Series
Advances in Economics, Business and Management Research
Publication Date
15 May 2023
ISBN
10.2991/978-94-6463-142-5_61
ISSN
2352-5428
DOI
10.2991/978-94-6463-142-5_61How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Xingrui Peng
AU  - Yingjia Xiao
AU  - Sisi Ma
PY  - 2023
DA  - 2023/05/15
TI  - Financial Technology, Market Contest and Commercial Bank’ Business Performance
BT  - Proceedings of the 8th International Conference on Financial Innovation and Economic Development (ICFIED 2023)
PB  - Atlantis Press
SP  - 543
EP  - 551
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-142-5_61
DO  - 10.2991/978-94-6463-142-5_61
ID  - Peng2023
ER  -