互联网金融对我国中小银行盈利与风险的影响研究

发布时间：2018-01-17 22:28

本文关键词：互联网金融对我国中小银行盈利与风险的影响研究　出处：《西北农林科技大学》2017年硕士论文　论文类型：学位论文

【摘要】：21世纪以来,新兴网络技术发展和移动终端设备的广泛使用,给人们的生活带来了巨大的改变。目前,互联网在我国国民中的普及率已超过一半以上,我国上网人数高达7.3亿,超过了全球的平均水平,位居世界前列。与此同时,支付宝和微信支付等新兴支付方式迅速扩张,2016年中国社交网络支付市场规模已达到了2.9万亿美元。此外,网络借贷与互联网理财产品等发展也十分迅猛,截止2016年9月,阿里巴巴旗下蚂蚁金服已向超过411万家小微企业和创业者发放了7400亿元人民币的贷款,理财产品“余额宝”已为超过1.52亿客户提供服务。在此背景下,银行业受到互联网金融的广泛影响,中小银行作为银行业体系不可或缺的组成部分,与大型商业银行一样面临着互联网金融的冲击。但是相对大型银行而言,中小银行因其在资产规模、资金渠道、网点分布等方面处于劣势,受到的互联网金融的冲击更加明显。本文基于金融功能理论,回顾了以往对于互联网金融及其与金融机构关系的研究,梳理了互联网金融发展的历程,对中小银行盈利能力及其面临的风险进行了总结,在此基础上,对互联网金融对中小银行盈利与风险的影响机理进行了理论分析,并提出相关假设,进而以19家中小银行从2008到2015年的数据为样本,通过个体固定效应回归模型对中小银行受到的互联网金融的影响进行了验证。通过理论与实证研究表明,在盈利能力方面,互联网金融的发展对中小银行盈利性指标产生了显著负向影响,即面对互联网金融的冲击,中小银行的盈利能力下降。在风险管理方面,互联网金融的发展对中小银行不良贷款风险有正向显著影响,即互联网金融的发展加剧了中小银行不良贷款风险,与此同时互联网金融发展对破产风险指标并没有显著影响,表明互联网金融并未引起中小银行的破产风险。结论表明,随着金融科技不断进步,互联网金融发展壮大并降低了金融服务的门槛,对传统金融业务产生了冲击和替代,这对于中小银行来说,是挑战也是机遇,面对互联网金融的冲击,中小银行同样可以利用不断创新的互联网技术拓展出自己的特色业务,进而获得长足的发展。
[Abstract]:Since 21th century, the development of new network technology and the widespread use of mobile terminal devices have brought great changes to people's lives. At present, the popularization rate of Internet in our country has been more than half. The number of people online in China is as high as 730 million, which exceeds the global average and ranks among the top in the world. At the same time, new payment methods such as Alipay and WeChat Pay are expanding rapidly. China's social network payment market has reached $2.9 tillion in 2016. In addition, online lending and Internet wealth management products are also growing rapidly, as of September 2016. Mr Alibaba's Ant Financial Services Group has lent more than 740 billion renminbi to more than 4.11 million small businesses and entrepreneurs. Yu'e Bao, a wealth management product, has provided services to more than 152 million customers. In this context, the banking industry is widely influenced by Internet finance, and small and medium-sized banks are an indispensable part of the banking system. Like large commercial banks, they are facing the impact of Internet finance. However, compared with large banks, small and medium-sized banks are at a disadvantage because of their asset size, capital channels, network distribution and so on. The impact of Internet finance is more obvious. Based on the theory of financial function, this paper reviews the previous research on Internet finance and its relationship with financial institutions, and combs the development of Internet finance. On the basis of summarizing the profitability of small and medium-sized banks and the risks they face, this paper makes a theoretical analysis of the influence mechanism of Internet finance on the profitability and risk of small and medium-sized banks, and puts forward relevant assumptions. Then take the data of 19 small and medium-sized banks from 2008 to 2015 as a sample. Through the individual fixed effect regression model to verify the impact of small and medium-sized banks on Internet finance. Through theoretical and empirical research, it shows that the profitability. The development of Internet finance has a significant negative impact on the profitability of small and medium-sized banks, that is, in the face of the impact of Internet finance, the profitability of small and medium-sized banks has declined. The development of Internet finance has a positive and significant impact on the risk of non-performing loans of small and medium-sized banks, that is, the development of Internet finance intensifies the risk of non-performing loans of small and medium-sized banks. At the same time, the development of Internet finance has no significant impact on bankruptcy risk indicators, indicating that Internet finance has not caused bankruptcy risk of small and medium-sized banks. Internet financial development and reduce the threshold of financial services, to the traditional financial business impact and substitution, for small and medium-sized banks, is a challenge but also an opportunity, facing the impact of Internet finance. Small and medium-sized banks can also use innovative Internet technology to expand their own unique business, and then get considerable development.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.3;F830.42

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