互联网金融、市场势力与商业银行绩效

发布时间：2018-06-10 07:26

本文选题：互联网金融 + 市场势力　；参考：《当代经济科学》2017年05期

【摘要】：本文利用我国101家商业银行2005—2015年的非平衡面板数据,首次深入研究了互联网金融、市场势力和商业银行绩效之间的关系。研究结果表明:(1)对于总体商业银行样本,互联网金融的发展对商业银行的绩效水平产生了显著的负向影响。但是,随着商业银行市场势力的增强,这一负向影响效果将会逐步减弱;当商业银行的市场势力超过临界值时,互联网金融的发展甚至会提升银行的绩效水平。这是因为,随着商业银行市场势力的增强,互联网金融发展给商业银行带来的"技术溢出效应"将会逐步增强,"竞争效应"则会逐步减弱。(2)对于分类银行样本,在互联网金融发展的过程中,地方性商业银行的绩效水平受到的冲击最大,股份制商业银行次之,国有商业银行受到的冲击最小。这也从另一个角度说明,市场势力越强的商业银行受到的互联网金融的冲击越小。在以上结论的基础上,向商业银行和监管者提出了合理化建议。
[Abstract]:Based on the non-equilibrium panel data of 101 commercial banks in China from 2005 to 2015, this paper studies the relationship among Internet finance, market power and commercial bank performance for the first time. The results show that the development of Internet finance has a significant negative effect on the performance of commercial banks. However, with the strengthening of the market power of commercial banks, this negative effect will gradually weaken; when the market power of commercial banks exceeds the critical value, the development of Internet finance will even improve the performance level of banks. This is because, with the increasing market power of commercial banks, the "technology spillover effect" brought by the development of Internet finance to commercial banks will gradually increase, while the "competitive effect" will gradually weaken. In the process of the development of Internet finance, the performance level of the local commercial banks is the biggest, the joint-stock commercial banks the second, and the state-owned commercial banks the least. This also shows from another angle, the commercial bank that the market is more powerful receives the impact of Internet finance less. On the basis of the above conclusions, the paper puts forward some reasonable suggestions to commercial banks and regulators.
【作者单位】：南京财经大学金融学院;南开大学金融学院;
【基金】：教育部社科项目“我国宏观审慎政策协调问题研究”(15YJA790090)
【分类号】：F724.6;F830.42;F832.33

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