绿色金融背景下金融科技对银行的影响分析

Analysis of the influencing factors of financial technology on bank profitability under the background of green finance

金融科技的发展,助推银行金融服务的转型升级。绿色金融的环境,助力银行经营模式的可持续性发展。本研究通过13家上市银行2017年至2021年的季度数据,借助hausman检验,确定随机效应模型和固定效应模型的有效性,分析金融科技与银行盈利能力的关系,并根据绿色金融和金融科技的两大背景,提出银行未来发展应注意内外宣传、绿色创新和人才培育的规划。

The development of financial technology has boosted the transformation and upgrading of banking financial services.The environment of green finance helps the sustainable development of the bank’s business model. This paper uses the quarterly data of 13 listed banks from 2017 to 2021, and uses the hausman test to determine the validity of the random effect model and the fixed effect model, analyzes the relationship between fintech and bank profitability, and analyzes the relationship between fintech and bank profitability. In the background, it is proposed that the bank’s future development should pay attention to the planning of internal and external publicity, green innovation and talent cultivation.