title: The impact of financial technologies on the profitability of the commercial banks
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð¼Ð°Ð³Ð¸ÑÑÑÐ°
titleType: Subtitle
title: ÐÐ»Ð¸ÑÐ½Ð¸Ðµ ÑÐ¸Ð½Ð°Ð½ÑÐ¾Ð²ÑÑ ÑÐµÑ Ð½Ð¾Ð»Ð¾Ð³Ð¸Ð¹ Ð½Ð° Ð¿ÑÐ¸Ð±ÑÐ»ÑÐ½Ð¾ÑÑÑ ÐºÐ¾Ð¼Ð¼ÐµÑÑÐµÑÐºÐ¸Ñ Ð±Ð°Ð½ÐºÐ¾Ð²
Creators: name: Ð£ Ð
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2024
Subjects: commercial banks
financial technology
profitability

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description: The aim of the research is the impact of financial technology on the profitability of commercial banks in China. The research set the following tasks: 1. Analyze the literature on the research topic. 2. Construction of financial technology index. 3. Conduct regression analysis on the research objectives. 4. Provide suggestions for improving the profitability of commercial banks. The research data is taken from the annual reports of 18 listed commercial banks in China from 2009 to 2022. Research methods: literature analysis, text mining, factor analysis, regression analysis. Use "Stata" as analysis tool. The study concludes that there is a U-shaped relationship between financial technology and the profitability of commercial banks in China. In the early stages of introducing and applying financial technology, the profitability of commercial banks will decrease. However, with the improvement and adaptation of internal mechanisms, financial technology plays a positive role within commercial banks, promoting the growth of bank profitability. And the impact of financial technology on the profitability of different types of commercial banks varies. The scientific novelty of this study lies in quantifying financial technology and conducting empirical analysis on the impact of financial technology on the profitability of commercial banks.