当前全球经历着科技与产业高度融合、深度叠加的新变革，社会的生产生活正发生着巨大变化。在此背景下，本文选取2013-2021年的111家商业银行面板数据，对其进行实证分析。选择“非同业业务的流动性创造”和“风险控制”两个维度来分析金融科技是否促进了商业银行服务实体经济，并对实证结果进行了地区异质性分析。分析结果表明：商业银行运用金融科技，有效地提升了商业银行的非同业业务流动性创造的能力，并且降低了商业银行的金融风险，即金融科技促进了商业银行服务实体经济。在非同业业务的流动性创造方面，中西部地区的银行表现更优；风险控制方面，东部银行利用金融科技手段提升抗风险能力的表现更好。

The world is currently experiencing a new change in which technology and industry are highly integrated and deeply overlapped, and the production and life of the society is undergoing great changes. In this context, this paper selects the panel data of 111 commercial banks from 2013 to 2021 and analyzes them empirically. The two dimensions of "liquidity creation of non-interbank business" and "risk control" are chosen to analyze whether fintech has promoted commercial banks to serve the real economy, and the empirical results are analyzed for regional heterogeneity. The analysis shows that the use of fintech by commercial banks effectively improves the ability of commercial banks to create liquidity in non-interbank business and reduces the financial risk of commercial banks, i.e., fintech enhances the quality and efficiency of commercial banks in serving the real economy. In terms of liquidity creation in non-interbank business, banks in the central and western regions perform better; in terms of risk control, banks in the eastern region perform better in using fintech to improve their risk resistance.