互联网金融对商业银行盈利的影响  

On the Effect of Internet Finance on Profitability of Commercial Banks

作　　者：王宇[1,2] 阚博 Wang Yu;Kan Bo

机构地区：[1]西南财经大学经济信息工程学院 [2]西南财经大学互联网金融创新及监管四川省协同创新中心

出　　处：《财经科学》2021年第11期14-24,共11页Finance & Economics

摘　　要：互联网金融不仅覆盖了商业银行的业务盲区,更是在多个领域和商业银行进行竞争,商业银行的传统盈利领域不断被侵蚀,本文选择23家上市商业银行2014—2019年的季度经营数据研究互联网金融对商业银行盈利能力和盈利结构的影响,结果发现:(1)第三方移动支付、互联网保险、P2P网络借贷均对商业银行的盈利能力造成了负面影响;(2)第三方移动支付、P2P网络借贷、互联网货币基金和互联网保险均会影响商业银行的盈利结构;(3)不同类型商业银行盈利能力受到互联网金融的影响程度不同,互联网金融对城市商业银行盈利能力的影响大于股份制银行和国有商业银行;(4)不同类型商业银行盈利结构受到互联网金融的影响程度不同。针对上述研究结论,本文对商业银行如何应对互联网金融的冲击提出了政策建议。Internet Finance covers the business blind area of commercial banks and even compete with them in many fields,causing constant erosion in the profit sector of commercial banks.By virtue of investigating the effect of Internet finance on profitability and profit structure of commercial banks according to the quarterly operating data from 2006 to 2009 of 23 listed commercial banks,this paper finds that:(1) third-party mobile payment,Internet insurance and P2P lending have negative impact on the profitability of commercial banks;(2) third-party mobile payment,P2P lending,Internet monetary funds and Internet insurance affect the profit structure of commercial banks;(3) Internet finance have different degrees of impact on different types of commercial banks,and such impact on urban commercial banks is bigger than that on joint-stock banks and state-owned commercial banks;(4) the profit structure of different types of commercial banks is affected by Internet finance to different degrees.Relevant policy suggestions are advanced on how commercial banks cope with the impact of Internet finance based on four conclusions above.

关 键 词：互联网金融 商业银行 盈利能力 盈利结构 

分 类 号：F832.5[经济管理—金融学]