互联网金融对商业银行绩效影响的研究

发布时间：2018-05-04 14:18

本文选题：互联网金融 + 商业银行绩效　；参考：《华侨大学》2017年硕士论文

【摘要】：近年来,互联网信息技术在社会各界得到了广泛的应用,尤其以P2P网贷、众筹和第三方支付等为代表的互联网金融,正在以人们难以想象的速度迅猛发展,备受社会及学术各界的瞩目。对于传统金融行业而言,是机遇更是挑战。在这一研究背景下,本文详细阐述并总结了国内外关于互联网金融的研究成果,在此基础上,从正反两个方面对互联网金融对商业银行绩效的影响进行了理论分析,提出两点假说:其一,互联网金融的发展会对商业银行的资产、负债和中间业务产生冲击,进而对商业银行的经营绩效产生负面影响;其二,互联网金融通过示范效应(Demonstration Effect)、竞争效应(Competition Effects)、人才流动效应(Talents MobilityEffect)与业务联系效应(LinkageEffect)给商业银行带来了技术溢出,因此互联网金融的发展有助于商业银行经营绩效的提升。为验证本文的两点假说,首先,分别采用DEA方法和综合指数法测算我国商业银行的全要素生产率和互联网金融发展指数,并根据相关文献研究,选定控制变量,设定计量模型;其次,采用动态面板的GMM方法回归计量方程;最后,根据回归结果,总结本文的研究结论。研究结论表明,互联网金融对商业银行同时存在正反两个方面的影响:一方面,互联网金融从多个领域向商业银行的传统业务进行了渗透,并利用其独有的优势,给商业银行带来了一定的冲击,降低了商业银行的经营效率;另一方面,互联网金融通过示范效应、竞争效应、人才流动效应和业务联系效应对商业银行产生了技术溢出,商业银行可以通过消化吸收在互联网金融中深度应用的互联网信息技术,提高自身的经营效率。本文的研究结论对商业银行有如下四点启示:第一,需要充分认识到互联网金融带来的冲击和挑战,认清自身的劣势;第二,充分认识互联网金融的技术优势,加大对信息技术的投入,提升自身技术水平;第三,互联网金融能够突破传统金融行业的规模瓶颈,满足零散的、小量的、个性化的需求,实现长尾效应,因此,它将分流传统商业银行客户群体中净值较低的、分散的个人客户,从而对零售银行业务造成威胁。第四,商业银行与互联网金融不只是单纯的竞争关系,通过交叉融合、优势互补和资源共享,可以达到互利共赢的目标。
[Abstract]:In recent years, Internet information technology has been widely used in all walks of life, especially the Internet finance represented by P2P network loan, crowdfunding and third party payment, which is developing at an unimaginable speed. It has attracted the attention of the society and academic circles. For the traditional financial industry, it is an opportunity and a challenge. Under this research background, this article elaborated and summarized the domestic and foreign research results about the Internet finance in detail, on this basis, has carried on the theory analysis from the positive and the negative two aspects to the commercial bank performance influence. Two hypotheses are put forward: first, the development of Internet finance will have an impact on the assets, liabilities and intermediary business of commercial banks, and then have a negative impact on the business performance of commercial banks; second, Internet finance brings technology spillover to commercial banks through demonstration effect, competition effect, talent flow effect and business connection effect. Therefore, the development of Internet finance is helpful to the improvement of commercial banks' business performance. In order to verify the two hypotheses of this paper, first of all, the total factor productivity and Internet financial development index of commercial banks in China are calculated by DEA method and comprehensive index method, and according to the relevant literature research, the control variables are selected and the econometric model is set up. Secondly, the dynamic panel GMM method is used to regression the econometric equation. Finally, according to the regression results, the conclusion of this paper is summarized. The research results show that Internet finance has both positive and negative effects on commercial banks. On the one hand, Internet finance has penetrated into the traditional business of commercial banks from many fields and made use of its unique advantages. On the other hand, through demonstration effect, competition effect, talent flow effect and business connection effect, Internet finance has produced technology spillover to commercial bank. Commercial banks can improve their management efficiency by digesting and absorbing the Internet information technology deeply applied in Internet finance. The conclusions of this paper have four enlightenments to commercial banks as follows: first, it is necessary to fully recognize the impact and challenges brought by Internet finance, to recognize their own weaknesses; second, to fully understand the technological advantages of Internet finance. Third, Internet finance can break through the bottleneck of the scale of traditional financial industry, meet the scattered, small and individualized demand, and realize the long-tail effect. It will divert the low net worth individual customers from the traditional commercial bank customer group, thus pose a threat to the retail banking business. Fourth, commercial banks and Internet finance are not only competitive relations, but also can achieve the goal of mutual benefit and win-win through cross-integration, complementary advantages and resource sharing.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.33

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