Research on Application and Optimization of Fintech and Computer Technology in Chinese Commerial Bank Efficiency Analysis

The current strategy for analyzing the efficiency of Chinese commercial banks, based on fintech and computer technology, suffers from issues of poor accuracy. Therefore, this paper proposes an improved approach to analyzing the efficiency of Chinese commercial banks, leveraging fintech and computer technology. Firstly, preprocessing is conducted to analyze the efficiency of Chinese commercial banks, extracting key characteristic parameters from their information. Subsequently, a multi-chimera identification network tailored for Chinese commercial banks is introduced. This network undergoes initial pre-training, followed by fine-tuning to adapt to the specific task of identifying Chinese commercial banks, thereby facilitating the research on the efficiency analysis strategy. Simulation technology is employed to validate the effectiveness of the proposed method. The technical results demonstrate that this approach significantly enhances the identification accuracy and efficiency of Chinese commercial banks, thus possessing substantial application value.