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Research on the impact of financial technology on the efficiency of joint-stock commercial banks

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DOI: 10.23977/ferm.2023.061123 | Downloads: 10 | Views: 276


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


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


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.


Financial Technology, Joint-stock Commercial banks, Efficiency


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:


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