新形势下互联网金融对商业银行创新能力的影响  

The influence of Internet finance on the innovation ability of commercial banks in the new situation

作　　者：严俊涛 毕秀春 张曙光[1] YAN Juntao;BI Xiuchun;ZHANG Shuguang(School of Management, University of Science and Technology of China, Hefei 230026, China)

机构地区：[1]中国科学技术大学管理学院,安徽合肥230026

出　　处：《中国科学技术大学学报》2019年第8期645-654,688,共11页JUSTC

基　　金：国家自然科学基金(11471304,11401556)资助。

摘　　要：近年来,互联网金融的快速成长对银行业造成了难以忽视的冲击,而银行应对互联网冲击的最佳方式便是自我创新.互联网金融对于商业银行的创新既有侵占作用(竞争效应)的负向影响,也有倒逼作用(技术溢出效应)的正向影响,研究这两者之间的关系及其共同作用的结果对于互联网金融环境下银行的创新发展很有意义.这里引入互联网金融代理变量的二次项以构建非线性模型,从国有银行、股份制银行和城商行三个方面,分别研究互联网金融对其创新能力的影响问题.实证研究采用2011~2017年的数据,使用静态面板数据方法和动态面板数据方法.研究结果发现:互联网金融对银行创新能力指标(非利息收入占比)的影响在时间序列上存在U型或倒U型的走势关系,并且互联网金融与不同类型银行非利息收入占比间的走势关系是不同的.因此,不同类型的银行应当结合自身的背景和优势,“因地制宜”地进行创新,提升自己的创新能力和中间业务的盈利水平,优化自己的服务渠道和模式,以应对互联网金融的冲击.The rapid development of Internet finance has caused an indisputable impact on the banking industry.The best way for banks to respond to the impact of the Internet finance is self-innovation.Internet finance has both the negative impact of the squeezing effect(competition effect)and the positive impact of the forcing effect(technology spillover effect)on commercial banks’innovation.The study of the relationship between the two and the results of their joint actions are significant for the development of banks’innovation in the Internet financial environment.Here the second term of the agent variable of Internet finance was introduced to build a nonlinear model to study the impact of Internet finance on banks’innovation ability from three aspects:large-scale state-owned banks,joint-stock banks,and city commercial banks.The empirical study used the data from 2011 to 2017,employing both static and dynamic panel data methods.It was found that the impact of Internet finance on the index of bank innovation ability-the non-interest income ratio-has a U-shaped or inverted U-shaped trend relationship in time series,and that the trend relationship between Internet finance and the proportion of non-interest income of different banks is different.Therefore,different types of banks should combine their own backgrounds and advantages to innovate,enhance their own innovation capabilities and intermediate business profitability,and optimize their own service channels and models to cope with the impact of Internet finance.

关 键 词：互联网金融 银行创新能力 非利息收入 面板数据模型 

分 类 号：F832.3[经济管理—金融学]