Based on the idea of fully incorporating all financial technology activities into financial regulation, this paper takes the fintech of commercial banks as the entry point, analyzes the internal mechanism of the regulatory framework of “prudential regulation and behavioral regulation” to help the fintech of commercial banks, and mathematically verifies the effectiveness of “prudential regulation and behavior regulation” in the fintech of commercial banks. The results show that macro-prudential policies can effectively reduce the risk taking of commercial banks, while more uniform and standard micro-prudential supervision plays a stronger role in promoting the profit side, but there is a threshold effect of leverage ratio. The role of “prudential and behavioral regulation” in boosting profits is dwarfed by its role in reducing risk. Therefore, our country should further deepen the cognition that “prudential regulation and behavior regulation” plays an important role in the development of financial technology, steadily realize to bring financial technology activities into supervision, and effectively plan the functions of “prudential regulation and behavioral regulation” in the application of financial technology in commercial bank, give full play to the complementarity of the two, and in the game process of financial regulation and financial technology innovation. The leverage ratio should be adjusted timely and flexibly according to the innovative behavior of commercial banks, and the positive role of leverage regulation should be fully brought into play to improve the quality and efficiency of supervision.