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Academic Journal of Business & Management, 2023, 5(15); doi: 10.25236/AJBM.2023.051523.

Impact of Financial Innovation on the Business Performance of State-owned Commercial Banks


Yiming Ma

Corresponding Author:
Yiming Ma

Business School, Soochow University, Suzhou, Jiangsu, 215006, China


Financial innovation is an important part of the development of commercial banks. With the intensification of industry competition and the increasing trend of digital finance, the development of financial innovation of commercial banks in China has a long way to go. Based on the fixed effect model of 25 state-owned commercial banks from 2014 to 2020, this paper selects the proportion of non-interest income as the main financial innovation index, and finds that for state-owned commercial banks, non-interest income has a significant positive impact on the operating performance of commercial banks, and puts forward relevant suggestions according to the empirical results.


Commercial Banks, Financial Innovation, Fixed Model Effect, Business Performance

Cite This Paper

Yiming Ma. Impact of Financial Innovation on the Business Performance of State-owned Commercial Banks. Academic Journal of Business & Management (2023) Vol. 5, Issue 15: 149-154. https://doi.org/10.25236/AJBM.2023.051523.


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