The Influence of Digital Finance Development on the Operating Performance of China's Commercial Banks

Taking China's listed commercial Banks as the object of study, using their financial datas from 2014 to 2018, selecting net loan deals and third-party payment transaction scale growth as independent variables, which measure digital level of financial development. profitability and growth rate of non-performing loans to assets as dependent variables, which measure commercial banks operating performance characterization. by establishing the panel data model. To empirically test the impact of digital finance development on the operating performance of China's commercial banks. The empirical results show that the development of digital finance can not only improve the profit margin of commercial banks' assets, but also help reduce their non-performing loan ratio to improve the performance of commercial banks.