The Impact of Digital Finance on the Performance of Commercial Banks: An Empirical Study based on Chinese Commercial Banks

Xin Wang

doi:10.6981/FEM.202511_6(11).0004

Authors

Xin Wang

DOI:

https://doi.org/10.6981/FEM.202511_6(11).0004

Keywords:

Digital Finance; Commercial Bank; Performance; Enabling Effect.

Abstract

This study investigates the impact mechanism of digital finance on commercial bank performance. By constructing a econometric model incorporating multidimensional indicators such as digital finance development level and bank performance, we employ panel data analysis to empirically examine multi-year operational data from multiple Chinese commercial banks. The findings demonstrate that digital finance exerts a significant motivational effect on bank performance. Furthermore, the research analyzes heterogeneous impacts across different types of banks and proposes corresponding policy recommendations.

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