The Influence of Financial Technology Application Depth on Small and Medium-sized Banks’ Risk-Taking Level and Research on Operating Decision Optimization——Empirical Research Based on Text Analysis Method

This paper will use text analysis method to collect original data of commercial banks’ financial technology application degree which exist in China. And it strengthens etymological screening with the help of textual analysis to enhance the authenticity of data crawl results, assuring that it can truly reflects on financial technology information implemented actually by commercial banks. Meanwhile, this paper will refer to technology intersection complexity, patent number corresponding to technology and other factors of existing financial technology to define synthetically financial technology application depth (financial technology low, financial technology middle, financial technology high). Meanwhile, this paper will estimate impact difference of financial technology application depth on small and medium-sized banks’ risks and revenue through constructing measurement model. The model takes financial technology application depth(FinTech) as core explaining variable. It takes Risk level index of small and medium-sized banks(RiskCA) and revenue target(NPR) as explained variables. It takes eight indexes as control variables, including bank scale, bank growth capacity, cost-income ratio and capital structure,etc. At last, this paper will find correlation rule between small and medium-sized banks and some deep financial technology application on the basis of empirical analysis results. According to them, it will propose differentiated small and medium-sized banks’ digital transformation strategies and suitable business policies with pertinence.