Research On The Impact Of Technology Finance On The Performance Of Traditional Commercial Banks

Since the rise of Sci-tech Finance,it has developed rapidly and gained wide attention.The essence of Sci-tech Finance is to use the new technologies such as big data,cloud-computing,Internet and blockchain to realize the in-depth integration of finance and technology.Sci-tech Finance has a certain impact on the business model of traditional commercial banks,especially in the field of third-party payment,but it is not enough to shake the foundation of traditional commercial banks.With the rapid development of Sci-tech Finance,"Catfish Effect" Force the traditional commercial banks to optimize and change the business model,reduce transaction costs and improve service efficiency,to a certain extent,also accelerated the process of marketization of interest rates.More and more between Sci-tech Finance and traditional commercial banks is a way of competition and cooperation.Traditional commercial banks should take advantage of the innovative advantages brought by Sci-tech Finance more during their transformation and upgrading and optimal allocation.Therefore,studying the impact of Fintech on the performance of traditional commercial banks has important practical significance for Sci-tech Finance and traditional commercial banks.This paper analyzes the impact of Sci-tech Finance on the performance of traditional finance and traditional commercial banks,and on this basis,analyzes the characteristics and theoretical basis of science and Sci-tech Finance with the development of Sci-tech Finance and traditional commercial banks.Because of the cross-business of Sci-tech Finance and traditional commercial banks,it is difficult to carry out a comprehensive empirical analysis.Through the research,it is found that the empirical analysis of the impact of traditional commercial banks on the third-party payment perspective is more pertinence and persuasive.In order to verify the above theoretical analysis,this paper empirically tests the impact of the third-party payment on the performance of traditional commercial banks from three aspects: the profitability of traditional commercial banks,the risk-control of traditional commercial banks and the performance of traditional commercial banks.In this paper,qualitative and quantitative research methods to analyze the impact of-Sci-tech Finance on the performance of traditional commercial banks.The results show that:(1)The scale of internet-banking payment in Sci-tech Finance is positively related to the profitability of traditional commercial banks.The impact of the thirdparty payment scale on the performance of traditional commercial banks showed a negative correlation,but the impact was limited.(2)The third-party payment in science and Sci-tech Finance has a negative correlation with the risk-control indicators of traditional commercial banks.The early stage of Sci-tech Finance is conducive to banks to reduce operating costs and reduce some of the risks.(3)On the whole,in terms of efficiency,Sci-tech Finance has significantly improved the efficiency of commercial banks.In terms of profits,the development of science and Sci-tech Finance has squeezed profits from some traditional commercial banks.However,the deep integration and transformation and upgrading of commercial banks and Sci-tech Finance after the commercial bank's net profit rebounding trend;in terms of costs,the development of Sci-tech Finance reduced the number of commercial banks offline physical outlets and staff costs,indirectly,to enhance the commercial bank's net profit.Finally,based on the conclusion of empirical analysis,this paper puts forward suggestions and forward-looking analysis of the future development of Sci-tech Finance and traditional commercial banks.To a certain extent,Sci-tech Finance is conducive to the development of financial markets,with the premise that it is within a certain regulatory framework;effective regulation can both promote the future development of Sci-tech Finance and prevent potential risks.