The Impact Of Digital Inclusive Finance Development On Urban Commercial Banks

In recent years,with the development of Internet technology,the continuous popularity of financial technology information technology has greatly improved people’s quality of life,while the traditional commercial bank ecosystem has been impacted.Traditional commercial banks mainly put credit funds to large enterprises,so that the credit risk is high and the risk of generating bad is large,at the same time,making traditional commercial banks less inclusive,and it is difficult for small and medium-sized enterprises and individuals to obtain loans in commercial banks,so that the development of Internet finance leaves a larger space for development.While the development of Internet finance,various urban commercial banks are also vigorously developing financial technology.In this context,this paper studies the development of financial technology on the control of credit risk of urban commercial banks.In this study,firstly,the history of fintech development in state-owned commercial banks,joint-stock commercial banks,and city commercial banks is described;secondly,the development of fintech in China’s city commercial banks is studied by focusing on literature study,case study,and data analysis.Data analysis This paper empirically investigates the impact of the development of fintech on the return on weighted assets,risk-taking,non-performing ratio and capital adequacy ratio of urban commercial banks based on the digital financial development index and relevant data of commercial banks;using stata software and panel data,we analyze the impact of the development of fintech on the profit creation and risk control aspects of urban commercial banks from multiple perspectives.In recent years,the topic of financial risk control has received the attention of the general society and regulatory authorities;fintech belongs to the emerging industry and,at the same time,is a necessary path in the development of the financial industry.Under the influence of the epidemic,the uncertainty of the domestic and international economic situation adds more uncertainty.Under these circumstances,it is particularly important to maintain financial stability and strengthen credit risk control of commercial banks while promoting the real economy and developing fintech.The study of this paper can conclude that the development of financial technology can conclude that:first,the development of financial technology has a certain impact on the credit profit creation of urban commercial banks and can enhance interbank competitiveness;second,the development of financial technology is conducive to improving risk control and improving asset quality;third,the extensive use of financial technology is conducive to enhancing the comprehensive strength of banks.