互联网金融对我国商业银行经营效率的影响分析及政策建议  

The Analysis of Impact of Internet Finance on Operational Efficiency of Chinese Commercial Banks and Policy Recommendations

作　　者：方森华[1] 

机构地区：[1]中国人民银行东莞市中心支行,广东东莞523011

出　　处：《区域金融研究》2016年第8期16-20,共5页Journal of Regional Financial Research

摘　　要：本文利用数据包络分析方法对我国代表性上市商业银行的经营效率进行量化测度,实证分析了互联网金融对商业银行经营效率的影响。结果显示:互联网金融是我国商业银行经营效率的格兰杰原因,互联网金融发展对我国商业银行经营效率提升具有累积正向冲击效应。在此基础上,本文提出了推动互联网金融与商业银行等传统金融互补融合、共生发展的政策建议。The paper measures the operational efficiency of Chinese representative listed commercial banks withData-Envelopment-Analysis,and makes empirical analysis of impact of internet finance on the operational efficiencyof commercial banks. The results show that internet finance is the Grange cause of the operational efficiency of Chinesecommercial banks,and the development of internet finance improves the operational efficiency of Chinese commercialbanks as a cumulative positive impact effect. On the basis of this,the paper proposes policy recommendations that com-plementary and integrated development should be promoted between internet finance and traditional finance.

关 键 词：互联网金融 商业银行 经营效率 

分 类 号：F830.49[经济管理—金融学]