Impact of Fintech on the Loan Structure of Urban Commercial Banks in China

The emergence of financial technology has created both opportunities and disruption in commercial banking. Commercial bank loans remain the primary source of finance for Chinese enterprises. Therefore, it is imperative to investigate the impact of financial technology on Commercial bank loan structures. This study uses relevant data from Chinese urban commercial banks from 2011 to 2019 and adopts empirical research methods to analyze the mechanism underlying the impact of fintech on the loan structure of urban commercial banks. The results indicate that the fintech is associated with improving credit and guaranteed loans, reduces mortgages and pledged loans, and promotes the optimization of loan structure of urban commercial banks. Fintech has a significant impact on the credit loan structures of urban commercial banks in the Eastern region, whereas its impact on urban commercial banks in the Central and Western regions is relatively small.