How FinTech affects financial sustainability: Evidence from Chinese commercial banks using a three-stage network DEA-Malmquist model
This paper investigates the impact of financial technology (FinTech) on the financial sustainability (FS) of commercial banks. We employ a three-stage network D...
Abstract
This paper investigates the impact of financial technology (FinTech) on the financial sustainability (FS) of commercial banks. We employ a three-stage network DEA-Malmquist model to evaluate the FS performance of 104 Chinese commercial banks from 2015 to 2023. A two-way fixed effects model is utilized to examine the effects of FinTech on FS, revealing a significant negative relationship. Further mechanistic analysis indicates that FinTech primarily undermines FS by eroding banks' loan efficiency and profitability. Notably, banks with more patents or listed status demonstrate greater resilience to FinTech disruptions. These findings help banks identify external risks stemming from FinTech development, and by elucidating the mechanisms underlying FS, enhance their capacity to monitor and manage FS in the era of rapid FinTech advancement.
Access Full Paper
This research paper is available on arXiv, an open-access archive for academic preprints.
Citation
Yudi Yang. "How FinTech affects financial sustainability: Evidence from Chinese commercial banks using a three-stage network DEA-Malmquist model." arXiv preprint. 2025-11-04. http://arxiv.org/abs/2511.02608v1
About arXiv
arXiv is a free distribution service and open-access archive for scholarly articles in physics, mathematics, computer science, quantitative biology, quantitative finance, statistics, electrical engineering, systems science, and economics.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Consult a licensed financial advisor before making investment decisions.
Related Articles
Disclaimer
This article is for informational purposes only and does not constitute financial, legal, or tax advice. SwissFinanceAI is not a licensed financial services provider. Always consult a qualified professional before making financial decisions.
References
- [1]ResearchCredibility: 9/10Yudi Yang. "How FinTech affects financial sustainability: Evidence from Chinese commercial banks using a three-stage network DEA-Malmquist model." arXiv.org. November 4, 2025. Accessed November 20, 2025.
Transparency Notice: This article may contain AI-assisted content. All citations link to verified sources. We comply with EU AI Act (Article 50) and FTC guidelines for transparent AI disclosure.
Original Source
This article is based on How FinTech affects financial sustainability: Evidence from Chinese commercial banks using a three-stage network DEA-Malmquist model (arXiv.org)
