互联网金融对商业银行的双面影响
发布时间：2018-10-24 09:35
【摘要】：从核心业务和综合效率2个层面细致地分析互联网金融对商业银行的影响。在核心业务层面,通过逐个分析互联网金融对商业银行3大核心业务的影响,探究互联网金融对商业银行盈利状况的影响程度;在效率层面,通过建立向量自回归模型分析互联网金融对商业银行综合效率的影响,并进一步通过脉冲响应函数分析其影响的方向及其时滞特征。研究结论表明,互联网金融对商业银行的影响是双面的:在核心业务方面,互联网金融通过蚕食商业银行的市场份额,削弱其垄断地位和竞争优势,减少其利润,对其经营带来了负面影响;与此相反,在效率方面,互联网金融对商业银行的综合效率具有显著的正向冲击,互联网金融通过倒逼机制提升商业银行的综合效率,对其经营产生了正向影响。
[Abstract]:This paper analyzes the impact of Internet finance on commercial banks from two aspects of core business and comprehensive efficiency. At the core business level, by analyzing the impact of Internet finance on the three core businesses of commercial banks, this paper explores the impact of Internet finance on the profitability of commercial banks. A vector autoregressive model is established to analyze the influence of Internet finance on the comprehensive efficiency of commercial banks, and the direction of influence and the characteristics of delay are analyzed by impulse response function. The results show that the impact of Internet finance on commercial banks is two-sided: in core business, Internet finance weakens its monopoly position and competitive advantage and reduces its profit by encroaching on the market share of commercial banks. On the contrary, Internet finance has a significant positive impact on the comprehensive efficiency of commercial banks. Internet finance promotes the comprehensive efficiency of commercial banks by forcing mechanisms. It has a positive effect on its management.
【作者单位】： 西安科技大学管理学院;
【基金】：陕西省教育厅科学研究专项项目(13JK0220) 西安科技大学哲学社会科学繁荣发展计划项目(2016SY01)
【分类号】：F724.6;F832.33
，
本文编号：2291006
[Abstract]:This paper analyzes the impact of Internet finance on commercial banks from two aspects of core business and comprehensive efficiency. At the core business level, by analyzing the impact of Internet finance on the three core businesses of commercial banks, this paper explores the impact of Internet finance on the profitability of commercial banks. A vector autoregressive model is established to analyze the influence of Internet finance on the comprehensive efficiency of commercial banks, and the direction of influence and the characteristics of delay are analyzed by impulse response function. The results show that the impact of Internet finance on commercial banks is two-sided: in core business, Internet finance weakens its monopoly position and competitive advantage and reduces its profit by encroaching on the market share of commercial banks. On the contrary, Internet finance has a significant positive impact on the comprehensive efficiency of commercial banks. Internet finance promotes the comprehensive efficiency of commercial banks by forcing mechanisms. It has a positive effect on its management.
【作者单位】： 西安科技大学管理学院;
【基金】：陕西省教育厅科学研究专项项目(13JK0220) 西安科技大学哲学社会科学繁荣发展计划项目(2016SY01)
【分类号】：F724.6;F832.33
，
本文编号：2291006
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