互联网金融对我国商业银行盈利能力的影响研究

发布时间：2018-11-15 17:39

【摘要】：随着互联网金融的发展,客户如今可以通过移动客户端或PC端办理以往需由实体商业银行经办的业务。商业银行过度依赖存贷差收入的盈利模式难以适应当前环境。互联网金融能否对商业银行的盈利产生影响、造成冲击,具体影响银行的哪些业务,对这些业务的影响程度多大,商业银行应制定怎样的对策,都是值得思考的问题。针对上述问题,本文从厘清互联网金融的内涵界定入手,评析相关理论,总结优势,针对当前对商业银行会产生影响的互联网金融发展模式分为四类。在此基础上,本文以商业银行利润表为切入点,对互联网金融的不同业务模式对商业银行的盈利冲击进行定性及定量分析,从影响机理及影响程度两方面进行深入研究,运用16家上市商业银行9年年报数据进行面板数据回归分析,探究互联网金融的发展与商业银行盈利能力之间的关系。在进行定性及量化分析之后,本文认为互联网金融的发展对商业银行盈利能力的冲击影响是分层次结构性的:资产业务层面,P2P网贷、电商小额贷款、个人周转网贷对商业银行零售贷款(小微贷款、个人经营贷款和个人消费贷款)造成一定冲击;负债业务方面,第三方支付、互联网货币基金对单个银行个人存款中的储蓄存款会产生冲击,对整个银行业影响不大,提升了银行业的资金成本;中间业务方面,第三方支付及互联网货币基金对商业银行的大部分中间业务(银行卡、支付结算、代理理财业务)冲击较大。通过面板数据进行实证分析,得出互联网金融的发展与商业银行盈利能力存在着显著的负向的关系,最后,本文为商业银行应对互联网金融的挑战提出了针对三大业务层面的对策建议。
[Abstract]:With the development of Internet finance, customers can now use mobile client or PC to handle the business that used to be handled by the entity commercial bank. It is difficult for commercial banks to adapt to the current environment because of their excessive dependence on deposit and loan income. It is worth thinking about whether Internet finance can have an impact on the profits of commercial banks, which business of the bank is affected, how much influence to these business, what kind of countermeasures should be formulated by the commercial bank. In view of the above problems, this paper begins with the definition of the connotation of Internet finance, analyzes the relevant theories, summarizes the advantages, and classifies the current development models of Internet finance which will have an impact on commercial banks into four categories. On this basis, this paper takes the profit statement of the commercial bank as the breakthrough point, carries on the qualitative and quantitative analysis to the profit impact of the commercial bank from the different business mode of the Internet finance, carries on the thorough research from the influence mechanism and the influence degree two aspects. This paper analyzes the relationship between the development of Internet finance and the profitability of commercial banks by using the data of annual report of 16 listed commercial banks for panel data regression. After qualitative and quantitative analysis, this paper holds that the impact of the development of Internet finance on the profitability of commercial banks is structured: asset business level, P2P network loans, e-commerce micro-loans, Personal revolving network loans have a certain impact on commercial bank retail loans (small micro-loans, personal operating loans and personal consumer loans); In the aspect of debt business, the third party pays, the Internet money fund will have the impact to the individual bank individual deposit, has not had the influence to the entire banking industry, has raised the banking industry's capital cost; In the aspect of intermediate business, third party payment and internet money fund have a great impact on most intermediate business of commercial bank (bank card, payment and settlement, agent financial management). Through the empirical analysis of panel data, it is concluded that there is a significant negative relationship between the development of Internet finance and the profitability of commercial banks. This paper puts forward some countermeasures and suggestions for commercial banks to deal with the challenges of Internet finance.
【学位授予单位】：长安大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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