Empirical Analysis Of The Impact Of Fintech On Credit Structure Of Commercial Banks

With the advent of the era of big data,emerging technologies are gradually integrated into the financial field,which promotes the birth and continuous development and innovation of fintech.The emergence and application of fintech rapidly spread to all parts of the financial industry,becoming a new development direction in the financial field.At the same time,China attaches great importance to fintech and has introduced relevant policies and measures to encourage the development of fintech.And is one of the traditional commercial Banks,the largest financial institutions,credit business is one of the major business of commercial Banks,in the face of the emergence of new elements of the traditional financial business and emerging technology good fusion,can this as an opportunity to better serve the socialist market economy,implement the continuous improvement of credit quality and even the quality of bank management,not only is the national financial sector,It is also a common topic faced by relevant experts and scholars.This paper takes 68 commercial banks in China as samples,selects panel data from 2011 to 2020,and uses econometric model to empirically test the impact of fintech on the credit structure of banks and the relevant mechanism.First in this paper,on the basis of theoretical research and analysis on the related mechanism hypothesis is put forward,then evaluated using the method of econometric model regression empirical test and the experimental results,a series of conclusions finally:one is the financial development of science and technology makes our country commercial bank of personal loans and credit on the strength;Second,the impact of fintech development on banks of different natures and different regions is different;Third,fintech will improve the credit risk protection level of commercial banks and change the credit structure to some extent.According to the conclusions of theoretical and empirical analysis,this paper also puts forward several policy suggestions: first,the integration of fintech and traditional banks should be deepened,and banks should also adhere to their own advantages;Second,banks should continue to optimize their credit structure to contribute to inclusive finance and the real economy.Third,banks of different nature should choose their own credit adjustment process and fintech development strategy according to their own situation;Fourth,commercial banks make contributions,focusing on the coordinated development between different regions to help achieve common prosperity;Fifthly,banks should pay attention to the risks and hidden dangers brought by the application and development of fintech.Meanwhile,the state should continue to improve relevant policies and regulations and enhance the strength and ability of the financial field to control various risks from a macro perspective.Sixth,while improving the integration of fintech and banking,actively explore and discover other elements conducive to the development of banking and financial industry.