Research on Business Performance of Commercial Bank's Digital Transformation

Li lei Chen

《Business and Technology Innovation Journal》 Volume 4 Issue 1 (2024/06) Pp. 35-50

https://doi.org/10.29680/BTIJ.202406_4(1).0003

Abstracts

This paper takes six large state-owned banks from 2019 to 2022 as the research object, selects the number of financial funds, labor, physical capital and fintech personnel as input indicators, and selects total loans and financial asset investment as output indicators, and combines the DDF directional distance function with the profit performance decomposition model. The profit change of state-owned banks is further decomposed into three aspects: quantity effect, price effect and productivity effect, and the impact of digital transformation of state-owned banks on operating profits is measured with fintech input as the core index. Finally, the average value of quantity effect, price effect and productivity effect of state-owned banks is compared and analyzed. To provide relevant suggestions for the feasible path of digital transformation of state-owned banks in the future.

Keywords

Commercial Banks ； Business Performance ； Financial Technology

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