Proceedings of the 2nd International Academic Conference on Blockchain, Information Technology and Smart Finance (ICBIS 2023)

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Research on the Impact of Fintech on the Performance of Commercial Banks

Based on Text Mining and Panel Metering

Authors
Qiao Jiang1, Qianting Ma2, 3, *, Xiaoxing Liu1, 2, Jianing Zhang3, Renjia Liu3
1School of Cyber Science and Engineering, Southeast University, Nanjing, 211189, China
2School of Economics and Management, Southeast University, Nanjing, 211189, China
3College of Finance, Nanjing Agricultural University, Nanjing, 210095, China
*Corresponding author. Email: mqt2626@sina.com
Corresponding Author
Qianting Ma
Available Online 10 August 2023.
DOI
10.2991/978-94-6463-198-2_64How to use a DOI?
Keywords
Fintech; Performance of commercial banks; Text mining; Panel metering
Abstract

The development of Fintech is both an opportunity and a challenge for traditional commercial banks. It systematically analyzes the theoretical basis of the impact of Fintech on the performance of commercial banks. Based on the sample data of 37 listed commercial banks from 2011 to 2020, it uses the text mining method to build the Fintech index and the multiple regression model for panel metering analysis. The results demonstrate that Fintech effects on the performance of commercial banks. Finally, combined with the actual development of Fintech in commercial banks, effective policy recommendations are given.

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 2nd International Academic Conference on Blockchain, Information Technology and Smart Finance (ICBIS 2023)
Series
Atlantis Highlights in Computer Sciences
Publication Date
10 August 2023
ISBN
10.2991/978-94-6463-198-2_64
ISSN
2589-4900
DOI
10.2991/978-94-6463-198-2_64How 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  - Qiao Jiang
AU  - Qianting Ma
AU  - Xiaoxing Liu
AU  - Jianing Zhang
AU  - Renjia Liu
PY  - 2023
DA  - 2023/08/10
TI  - Research on the Impact of Fintech on the Performance of Commercial Banks
BT  - Proceedings of the 2nd International Academic Conference on Blockchain, Information Technology and Smart Finance (ICBIS 2023)
PB  - Atlantis Press
SP  - 628
EP  - 636
SN  - 2589-4900
UR  - https://doi.org/10.2991/978-94-6463-198-2_64
DO  - 10.2991/978-94-6463-198-2_64
ID  - Jiang2023
ER  -