The impact of financial technology on commercial banks: Evidence from China

Financial technology (i.e., FinTech) employs advanced scientific and technological tools to create innovative products and services for financial institutions. However, the rapid advancements in FinTech have affected traditional banks' operations. This study aimed to investigate the impact of F...

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Main Author:	Tian Xiang, Zhou
Format:	Thesis
Language:	English English
Published:	2023
Subjects:	HG1-9999 Finance
Online Access:	https://eprints.ums.edu.my/id/eprint/40810/2/ABSTRACT.pdf https://eprints.ums.edu.my/id/eprint/40810/1/FULLTEXT.pdf https://eprints.ums.edu.my/id/eprint/40810/
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Institution:	Universiti Malaysia Sabah
Language:	English English

id	my.ums.eprints.40810
record_format	eprints
spelling	my.ums.eprints.408102024-09-05T01:56:58Z https://eprints.ums.edu.my/id/eprint/40810/ The impact of financial technology on commercial banks: Evidence from China Tian Xiang, Zhou HG1-9999 Finance Financial technology (i.e., FinTech) employs advanced scientific and technological tools to create innovative products and services for financial institutions. However, the rapid advancements in FinTech have affected traditional banks' operations. This study aimed to investigate the impact of FinTech on impact on commercial banks in China. Drawing on previous literature and empirical evidence, annual financial data was collected from 23 local commercial banks in China covering the period from 2011 to 2020. The data was analyzed using a dynamic panel data model (i.e., GMM). The findings suggest that FinTech has an overall positive impact on the return on assets of commercial banks. However, this impact varies across different types of commercial banks, with city commercial banks being the least affected, followed by joint-stock commercial banks and large state-owned commercial banks. Keywords: FinTech, commercial bank, financial technology, Chinese banks 2023 Thesis NonPeerReviewed text en https://eprints.ums.edu.my/id/eprint/40810/2/ABSTRACT.pdf text en https://eprints.ums.edu.my/id/eprint/40810/1/FULLTEXT.pdf Tian Xiang, Zhou (2023) The impact of financial technology on commercial banks: Evidence from China. Masters thesis, Universiti Malaysia Sabah.
institution	Universiti Malaysia Sabah
building	UMS Library
collection	Institutional Repository
continent	Asia
country	Malaysia
content_provider	Universiti Malaysia Sabah
content_source	UMS Institutional Repository
url_provider	http://eprints.ums.edu.my/
language	English English
topic	HG1-9999 Finance
spellingShingle	HG1-9999 Finance Tian Xiang, Zhou The impact of financial technology on commercial banks: Evidence from China
description	Financial technology (i.e., FinTech) employs advanced scientific and technological tools to create innovative products and services for financial institutions. However, the rapid advancements in FinTech have affected traditional banks' operations. This study aimed to investigate the impact of FinTech on impact on commercial banks in China. Drawing on previous literature and empirical evidence, annual financial data was collected from 23 local commercial banks in China covering the period from 2011 to 2020. The data was analyzed using a dynamic panel data model (i.e., GMM). The findings suggest that FinTech has an overall positive impact on the return on assets of commercial banks. However, this impact varies across different types of commercial banks, with city commercial banks being the least affected, followed by joint-stock commercial banks and large state-owned commercial banks. Keywords: FinTech, commercial bank, financial technology, Chinese banks
format	Thesis
author	Tian Xiang, Zhou
author_facet	Tian Xiang, Zhou
author_sort	Tian Xiang, Zhou
title	The impact of financial technology on commercial banks: Evidence from China
title_short	The impact of financial technology on commercial banks: Evidence from China
title_full	The impact of financial technology on commercial banks: Evidence from China
title_fullStr	The impact of financial technology on commercial banks: Evidence from China
title_full_unstemmed	The impact of financial technology on commercial banks: Evidence from China
title_sort	impact of financial technology on commercial banks: evidence from china
publishDate	2023
url	https://eprints.ums.edu.my/id/eprint/40810/2/ABSTRACT.pdf https://eprints.ums.edu.my/id/eprint/40810/1/FULLTEXT.pdf https://eprints.ums.edu.my/id/eprint/40810/
_version_	1811684102144786432

The impact of financial technology on commercial banks: Evidence from China

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