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<p>Fintech has developed rapidly and penetrated traditional sectors in China’s banking industry over the last decade. In this paper, we examine the statistical associations between fintech development, time, and the performance of Chinese commercial banks from 2011 to 2020. By employing state-of-the-art two-stage robust nonparametric efficiency estimation techniques, we find that higher levels of fintech development are statistically associated with more favorable patterns in production technologies and technical efficiency among banks. These associations are observed consistently across banks with different ownership structures, offering empirical support that could be informative for government policies promoting fintech development. In terms of temporal heterogeneity, we identify a general U-shaped relationship between time and both production technologies and technical efficiency. This pattern may reflect complex dynamics over time, potentially involving substitution effects and knowledge spillovers. In particular, we observe that earlier periods are associated with lower efficiency and technological advancement among China’s domestic banks, with more recent years showing a reversal of this trend.</p>

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Fintech and bank efficiency: a robust nonparametric approach for Chinese commercial banks

  • 期刊论文

  • 发表日期：

    2025年11月11日

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  • Jiyuan Zhang,
  • Shirong Zhao,
  • Guangshun Qiao

摘要

Fintech has developed rapidly and penetrated traditional sectors in China’s banking industry over the last decade. In this paper, we examine the statistical associations between fintech development, time, and the performance of Chinese commercial banks from 2011 to 2020. By employing state-of-the-art two-stage robust nonparametric efficiency estimation techniques, we find that higher levels of fintech development are statistically associated with more favorable patterns in production technologies and technical efficiency among banks. These associations are observed consistently across banks with different ownership structures, offering empirical support that could be informative for government policies promoting fintech development. In terms of temporal heterogeneity, we identify a general U-shaped relationship between time and both production technologies and technical efficiency. This pattern may reflect complex dynamics over time, potentially involving substitution effects and knowledge spillovers. In particular, we observe that earlier periods are associated with lower efficiency and technological advancement among China’s domestic banks, with more recent years showing a reversal of this trend.