互联网金融驱动商业银行中间业务发展研究

发布时间：2019-04-04 18:28

【摘要】：互联网金融是互联网企业运用互联网技术和信息技术,实现资金融通、支付、投资和信息中介服务的新型金融业务模式。商业银行中间业务是指不构成银行表内资产与负债,商业银行以代理人的身份为客户办理的各种业务。中间业务是商业银行长远发展的利润增长点,也是互联网金融与商业银行竞争的焦点,因此对互联网金融驱动商业银行中间业务发展进行研究。首先对互联网金融业务和商业银行中间业务进行分类及发展分析,理出其中与商业银行相关的互联网金融业务主要为第三方支付、互联网货币基金和P2P网贷。从互联网金融三种业务的角度入手,分析互联网金融驱动商业银行中间业务发展的机理:第三方支付一方面弱化银行支付中介功能,分成支付手续费并使手续费率下降,挤压中间业务,另一方面降低客户成本,分流银行支付类中间业务客户;互联网货币基金一方面部分替代银行金融服务功能,分成理财手续费,挤压中间业务,另一方面降低客户成本,分流银行理财类中间业务客户;P2P网贷一方面绕开银行直接融通借贷双方,使银行一定程度上脱媒,失去开展中间业务的资金基础,另一方面降低客户成本,分流银行代理理财类中间业务客户。三种业务发展均可能导致银行中间业务收入下降,在业务竞争驱动下银行中间业务发展。实证研究互联网金融驱动商业银行中间业务的发展,将第三方支付、互联网货币基金和P2P网贷作为核心解释变量,剔除数据不可得的银行,以16家商业银行2013年第三季度-2016年第三季度的季度数据为样本,建立面板数据模型进行回归分析,研究发现:第三方支付和互联网货币基金对中间业务存在显著负向影响,P2P网贷对中间业务的负向影响不显著。说明第三方支付和互联网货币基金的发展挤压中间业务和分流客户的作用较大,而P2P网贷发展对中间业务替代作用有限,可能与P2P网贷发展不规范和存管资金流回银行等原因有关。商业银行在互联网金融业务竞争驱动下利用自身优势发展创新支付和理财类等中间业务以及拓展其他创新型中间业务以应对其面临的冲击。
[Abstract]:Internet finance is a new financial business mode in which Internet enterprises use Internet technology and information technology to realize financing, payment, investment and information intermediary services. The intermediate business of commercial bank is a kind of business that does not constitute the assets and liabilities in the bank statement and is handled by the commercial bank as an agent for its customers. Intermediary business is the profit growth point of the long-term development of commercial banks, and it is also the focus of competition between Internet finance and commercial banks. Therefore, Internet finance drives the development of intermediate business of commercial banks. Firstly, the classification and development analysis of Internet financial business and intermediate business of commercial bank is carried out, and the Internet financial business related to commercial bank is mainly paid by third party, Internet money fund and P2P network loan. From the perspective of Internet finance, this paper analyzes the mechanism of Internet finance driving the development of intermediate business in commercial banks: on the one hand, the third party payment weakens the intermediary function of bank payment, divides the payment fee into payment fees and reduces the formalities rate. Squeeze the intermediate business, on the other hand, reduce the customer cost, divert the bank payment intermediate business customers; On the one hand, the Internet money Fund partly replaces the function of banking financial services, divides into financial services fees, squeezing intermediate business, on the other hand, reduces customer costs and diverts bank financial intermediary business customers; On the one hand, P2P network loan bypasses the bank to directly finance both lenders and lenders, so that the bank disintermediates to a certain extent, loses the capital base of carrying out the intermediate business, on the other hand, reduces the customer cost and diverts the bank agent financial intermediary business customers. All three kinds of business development may lead to the decline of the bank intermediate business revenue, driven by the business competition in the development of the bank intermediate business. An empirical study of Internet finance drives the development of intermediate business in commercial banks. Third-party payments, Internet money funds and P2P network loans are taken as core explanatory variables, and banks that are not available for data are excluded. Taking the quarterly data of 16 commercial banks from the third quarter of 2013 to the third quarter of 2016 as a sample, a panel data model was established for regression analysis. The results show that third-party payments and the Internet Monetary Fund have a significant negative impact on intermediate business. The negative effect of P2P network loan on intermediate business is not significant. It shows that the third-party payment and the development of the Internet Monetary Fund play a greater role in squeezing the intermediate business and diverting customers, while the P2P network loan development has a limited role in the substitution of the intermediate business. It may be related to the non-standard development of P2P network loans and the return of deposit management funds to banks. Driven by the competition of Internet financial business, commercial banks take advantage of their own advantages to develop intermediate businesses such as innovative payment and financial management and expand other innovative intermediary businesses to cope with the impact they face.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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