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Research on the Impact of Digital Finance Development on the Operating Performance of Listed Commercial Banks
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Zelong LÜ, Tingting ZHENG
Science Technology and Industry | 2025, 25(8) : 114 - 121
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Science Technology and Industry | 2025, 25(8): 114-121
Industrial Development
Research on the Impact of Digital Finance Development on the Operating Performance of Listed Commercial Banks
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Zelong LÜ, Tingting ZHENG
Affiliations
  • School of Economics, Fujian Normal University, Fuzhou 350117, China
Published: 2025-04-25
Outline
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Taking panel data from 39 listed commercial banks in China from 2013 to 2022, and empirical methods were used to study the impact and mechanism of digital finance development on the operational performance of commercial banks. The research results indicate that digital finance can significantly promote the improvement of operational performance of listed commercial banks. Digital finance has had a significant negative impact on the operational performance of commercial banks in the central and western regions. The impact of digital finance on the operational performance of state-owned commercial banks, joint-stock commercial banks and local commercial banks varies. The level of risk-taking plays a fully mediating role in the impact of digital finance on the operational performance of commercial banks.

digital finance  /  business performance of commercial banks  /  risk bearing level  /  mechanism of action
Zelong LÜ, Tingting ZHENG. Research on the Impact of Digital Finance Development on the Operating Performance of Listed Commercial Banks[J]. Science Technology and Industry, 2025 , 25 (8) : 114 -121 .
Year 2025 volume 25 Issue 8
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  • Receive Date:2024-11-07
  • Online Date:2025-07-20
  • Published:2025-04-25
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  • Received:2024-11-07
Affiliations
    School of Economics, Fujian Normal University, Fuzhou 350117, China
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表12种不同金属材料的力学参数

Family
属数
Number of
genus
种数
Number of
species
占总种数比例
Percentage of
total species (%)

Genus
种数
Number of
species
占总种数比例
Percentage of total
species (%)
鹅膏菌科Amanitaceae 2 11 5.26 鹅膏菌属 Amanita 10 4.78
小菇科 Mycenaceae 2 12 5.74 丝盖伞属 Inocybe 5 2.39
多孔菌科 Polyporaceae 8 14 6.70 蜡蘑属 Laccaria 5 2.39
红菇科 Russulaceae 3 23 11.00 小皮伞属 Marasmius 6 2.87
小菇属 Mycena 11 5.26
光柄菇属 Pluteus 5 2.39
红菇属 Russula 17 8.13
栓菌属 Trametes 5 2.39
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