id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fbem-6227	Yang, Yuanjin; Zhang, Xun; Feng, Bao	The Impact of Developing Fintech on Banks: From the Perspective of Net Interest Margin and Non-performing Ratio	2023	6	.pdf	application/pdf	4587	234	51	The explained variables involved in this paper mainly involve two aspects: one is the level of bank risk control, the other is the level of bank profitability. In the face of fintech challenges and opportunities, commercial banks have undergone different types of strategic transformation, such as channel innovation, business (product) innovation, and collaborative innovation	cache/fbem-6227.pdf	txt/fbem-6227.txt