互联网金融对商业银行效率影响的实证研究  

Research on Internet Financial Impact on Efficiency of Commercial Banks

作　　者：张金萍[1] 薛文晓 Zhang Jinping;Xue Wenxiao(Harbin University of Commerce,Harbin Heilongjiang 150028)

机构地区：[1]哈尔滨商业大学,黑龙江哈尔滨150028

出　　处：《对外经贸》2022年第5期80-83,共4页FOREIGN ECONOMIC RELATIONS & TRADE

摘　　要：互联网金融既对商业银行传统业务模式产生了巨大的冲击,挤占了商业银行的市场份额,同时其示范效应也促进了商业银行的创新与发展。采用DEA-Malmquist和多元回归分析的方法,针对2008—2020年11家商业银行和互联网金融的数据,分析互联网金融对商业银行效率的影响。研究发现,互联网金融对商业银行技术效率起到明显促进作用,对技术进步效率和规模效率起到一定程度的抑制作用。针对实证研究结果,商业银行就进一步优化金融服务模式,加强金融产品创新和重视大数据利用,以应对多变的竞争环境。Internet finance has not only had a great impact on the traditional business model of commercial banks and occupied the market share of commercial banks, but also promoted the innovation and development of commercial banks. DEA-Malmquist and multiple regression analysis are used to analyze the impact of Internet finance on the efficiency of commercial banks based on the data of 11 commercial banks and Internet finance from 2008 to 2020. It is found that Internet finance significantly promotes the technical efficiency of commercial banks and inhibits the efficiency of technological progress and scale efficiency to a certain extent. According to the empirical research results, commercial banks will further optimize the financial service model, strengthen the innovation of financial products and pay attention to the use of big data to deal with the changeable competitive environment.

关 键 词：互联网金融 商业银行 商业银行效率 DEA-Malmquist模型 多元回归分析 

分 类 号：F832[经济管理—金融学]