旧貌换新颜:金融科技与银行业绩——基于8227家银行支行的实证研究  

Old Looks Are Replaced with New Ones:The Development of FinTech and Bank Performance——An Empirical Study Based on 8 227Bank Branches

作　　者：游家兴[1] 林慧 柳颖[2] YOU Jiaxing;LIN Hui;LIU Ying(Xiamen University;East China University of Science and Techonology)

机构地区：[1]厦门大学管理学院 [2]华东理工大学商学院,200237

出　　处：《经济学（季刊）》2023年第1期177-193,共17页China Economic Quarterly

基　　金：国家自然科学基金重大项目(71790601);国家自然科学基金面上项目(71872157)的资助。

摘　　要：本文基于8 227家银行支行的实证研究发现,金融科技的发展会对银行的盈利水平以及成长性产生负面冲击,而这种负面效应会因地区差异和银行产权特征而产生变化。机制检验发现金融科技虽然会降低销售费用,但同时会抬高营业成本与管理费用,最终导致整体业绩下滑和成长停滞。同时,银行也会通过开源节流、降本增效的方式予以应对。本文的研究对于传统金融业如何应对金融科技带来的挑战、实现业务转型与革新具有积极的现实启示意义。Based on the unique data of 8227 branches set up by 2296 banks in 332 cities in China from 2011 to 2016, we find that the development of regional financial technology exerts a negative impact on the profitability and growth of banks, which will change due to regional differences and the characteristics of bank property rights. Moreover, although financial technology will reduce sales costs, it will also raise operating costs and management costs, eventually leading to overall performance decline and growth stagnation. Moreover, banks will respond by broadening sources of income and reducing expenditure. In other words, banks will increase the proportion of other businesses, reduce human costs, and increase the investment in human resources to deal with the technology shock. Simultaneously, banks will also reduce the construction of new outlets and pay more attention to the investment and strategic planning in the field of financial technology. The paper provides practical reference for the traditional financial industry to cope with the challenges brought by financial technology and recognize the importance of business transformation and innovation under the booming development trend of FinTech.

关 键 词：金融科技 银行业绩 传统金融业 

分 类 号：F832.3[经济管理—金融学] F830.42