How do "Fixed-length records" and "Fixed-length fields" increases database performance?

Question

Could anyone please explain the below two statements w.r.t the Oracle external table performance improvement with the ORACLE_LOADER access driver:

1. Fixed-length records are processed faster than records terminated by a string.
2. Fixed-length fields are processed faster than delimited fields.

Explanation with code might help me to understand the concept in depth. here is the two syntax(s):

Fixed field length

create table ext_table_fixed (
   field_1 char(4),
   field_2 char(30)
)
organization external (
   type       oracle_loader
   default directory ext_dir
   access parameters (
     records delimited by newline
     fields (
       field_1 position(1: 4) char( 4),
       field_2 position(5:30) char(30)
    )
  )
  location ('file')
)
reject limit unlimited;

Comma delimited

create table ext_table_csv (
  i   Number,
  n   Varchar2(20),
  m   Varchar2(20)
)
organization external (
  type              oracle_loader
  default directory ext_dir
  access parameters (
    records delimited  by newline
    fields  terminated by ','
    missing field values are null
  )
  location ('file.csv')
)
reject limit unlimited;

Answer 1

Simplified, conceptual, non-database-specific explanation:

When the maximum possible record length is known in advance, the end of the record/the beginning of the next record can be found in constant time. This is because that location is computable using simple addition, very much analogous to array indexing. Imagine that I'm using ints as pointers to records, and that the record size is an integer constant defined somewhere. Then, to get from the current record location to the next:

int current_record = /* whatever */;
int next_record = current_record + FIXED_RECORD_SIZE;

That's it!

Alternatively, when using string-terminated (or otherwise delimited) records and fields, you could imagine that the next field/record is found by a linear-time scan, which has to look at every character until the delimiter is found. As before,

char DELIMITER = ','; // or whatever
int current_record = /* whatever */;
int next_record = current_record;
while(character_at_location(next_record) != DELIMITER) {
    next_record++;
}

This might be a simplified or naïve version of the real-world implementation, but the general idea still stands: you can't easily do the same operation in constant time, and even if it were constant time, it's unlikely to be as fast as performing a single add operation.