Author(s)

Jianxin Hu ¹, Yulin Zheng ², Ling Wang ¹, Qirui Deng ¹

Affiliation(s)

¹ College of Economics and Trade, Huali College, Guangzhou, China
² College of Mechanical and Electrical Engineering, Huali College, Guangzhou, China

Corresponding Author

Jianxin Hu

ABSTRACT

This paper takes 11 joint-stock commercial banks as samples, and makes an empirical analysis of the data from 2011 to 2018. The empirical study finds that there is a negative correlation between fintech and the cost-income ratio of joint-stock commercial banks. In addition, GDP growth rate, bank size and inflation rate index are negatively correlated with cost-to-income ratio. Finally, based on the empirical results, this paper proposes countermeasures to improve the efficiency of China's joint-stock commercial banks with the help of financial technology.

KEYWORDS

Financial Technology, Joint-stock Commercial banks, Efficiency

CITE THIS PAPER

Jianxin Hu, Yulin Zheng, Ling Wang, Qirui Deng, Research on the impact of financial technology on the efficiency of joint-stock commercial banks. Financial Engineering and Risk Management (2023) Vol. 6: 157-161. DOI: http://dx.doi.org/10.23977/ferm.2023.061123.

REFERENCES

[1] Feng Qiang. Research on the development, impact and supervision of fintech [J].Financial Economy, 2018 (24): 50-51. 
[2] Wang Xiaoqing, Xu Chengan. The connotation, regulation methods and research prospects of FinTech ethics [J]. Jianghan Forum, 2021 (10): 52-58. 
[3] Shaden Peak. Development, Risk and Regulation of Fintech [J].Business Observation, 2022 (06): 29-31. 
[4] Lu Minfeng, Zhou Junyu. The process, characteristics and vision of financial technology driving the transformation of commercial banks [J].Fujian Finance, 2020 (01): 67-73. 
[5] Yi Xianrong. The connotation, essence and future development of FinTech-A general analysis based on financial theory [J].Jiang Hai Journal, 2017 (02): 13-20. 
[6] Huang Yusong. Analysis of Fintech Development [J]. China Finance, 2017 (05): 53-54.
[7] Isik I, Hassan M K. Financial deregulation and total factor productivity change: An empirical study of Turkish commercial banks [J]. Journal of Banking & Finance, 2003, 27(8): 1455- 1485.
[8] Nguyen Q K. Blockchain-a financial technology for future sustainable developmen t[C]//2016 3rd International conference on green technology and sustainable devel opment (GTSD). IEEE, 2016: 51-54.
[9] Lusardi A. Financial literacy and the need for financial education: evidence and implications [J]. Swiss Journal of Economics and Statistics, 2019, 155(1): 1-8.

Sponsors, Associates, and Links

---

• Information Systems and Economics
  
  
• Accounting, Auditing and Finance
  
  
• Industrial Engineering and Innovation Management
  
  
• Tourism Management and Technology Economy
  
  
• Journal of Computational and Financial Econometrics
  
  
• Accounting and Corporate Management
  
  
• Social Security and Administration Management
  
  
• Population, Resources & Environmental Economics
  
  
• Statistics & Quantitative Economics
  
  
• Agricultural & Forestry Economics and Management
  
  
• Social Medicine and Health Management
  
  
• Land Resource Management
  
  
• Information, Library and Archival Science
  
  
• Journal of Human Resource Development
  
  
• Manufacturing and Service Operations Management
  
  
• Operational Research and Cybernetics