互联网金融对商业银行收益的影响研究——基于我国101家商业银行的分析
发布时间：2019-04-21 16:31
【摘要】：近年来随着互联网金融的不断发展,商业银行的收益水平受到了较大影响。本文选取我国101家商业银行2011-2015年的面板数据,首次利用百度指数构建互联网金融指数,并采用理论分析与实证分析相结合的方法,深入研究了互联网金融对于商业银行收益的影响。研究结果表明,虽然互联网金融能够通过技术外溢效应对银行产生积极影响,但是由于竞争效应所带来的消极影响更强,所以互联网金融的发展对商业银行的收益水平造成了显著的负向影响。这主要是由于互联网金融的发展对商业银行的资产业务、负债业务和非利息业务都造成了一定程度的冲击。在此基础上,我们为商业银行与互联网金融的良好协调发展提出了合理化建议。
[Abstract]:In recent years, with the development of Internet finance, the income level of commercial banks has been greatly affected. In this paper, the panel data of 101 commercial banks from 2011 to 2015 are selected and the Internet financial index is constructed by using Baidu Index for the first time, and the method of combining theoretical analysis with empirical analysis is adopted. In-depth study of the impact of Internet finance on the earnings of commercial banks. The results show that although Internet finance can have a positive impact on banks through the spillover effect of technology, the negative impact of competition effect is stronger. Therefore, the development of Internet finance has a significant negative impact on the income level of commercial banks. This is mainly due to the development of Internet finance on the assets of commercial banks, debt business and non-interest business has caused a certain degree of impact. On this basis, we put forward reasonable suggestions for the good coordinated development of commercial banks and Internet finance.
【作者单位】： 南开大学金融学院;
【基金】：“中国特色社会主义经济建设协同中心”2015年度教育部社科项目“我国宏观审慎政策协调问题研究”(项目编号:15YJA790090)
【分类号】：F724.6;F832.33
本文编号：2462367
[Abstract]:In recent years, with the development of Internet finance, the income level of commercial banks has been greatly affected. In this paper, the panel data of 101 commercial banks from 2011 to 2015 are selected and the Internet financial index is constructed by using Baidu Index for the first time, and the method of combining theoretical analysis with empirical analysis is adopted. In-depth study of the impact of Internet finance on the earnings of commercial banks. The results show that although Internet finance can have a positive impact on banks through the spillover effect of technology, the negative impact of competition effect is stronger. Therefore, the development of Internet finance has a significant negative impact on the income level of commercial banks. This is mainly due to the development of Internet finance on the assets of commercial banks, debt business and non-interest business has caused a certain degree of impact. On this basis, we put forward reasonable suggestions for the good coordinated development of commercial banks and Internet finance.
【作者单位】： 南开大学金融学院;
【基金】：“中国特色社会主义经济建设协同中心”2015年度教育部社科项目“我国宏观审慎政策协调问题研究”(项目编号:15YJA790090)
【分类号】：F724.6;F832.33
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，本文编号：2462367
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