金融科技创新路径选择与银行经营效率  

The Path of Fintech Innovation and Bank Performance

作　　者：蔡岑 殷晓晴 陈选娟 Cai Cen;Yin Xiaoqing;Chen Xuanjuan(School of Finance,Shanghai University of Finance and Economics,Shanghai 200433,China)

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《财经研究》2023年第3期19-33,共15页Journal of Finance and Economics

基　　金：国家自然科学基金项目(72073090)。

摘　　要：商业银行进行专利研发或寻求外部合作的初衷都是为了助力其数字化转型,提升在获客、风控和盈利等方面的效率。而商业银行应自主研发还是与外部合作来实现创新,是一个值得探讨的问题。文章通过对银行专利文本的分析及相关新闻的检索,提出了“引领式”创新、“跟随式”创新和“合作式”创新三种金融科技创新路径,并考察了不同创新路径对商业银行经营效率的异质性影响。研究发现,对大型银行来说,“引领式”创新和“跟随式”创新均能显著促进其小微企业信贷业务、风险管理能力和经营绩效,其中“引领式”创新的促进作用更加明显;对中小银行来说,“引领式”创新和“跟随式”创新对其小微企业信贷业务、风险管理能力和经营绩效的促进作用不明显,而“合作式”创新的促进作用则比较显著。文章的研究不仅在切入角度上有所创新,丰富了相关领域的研究内容,还为银行创新模式的选择提供了参考依据。The original intention of commercial banks to independently conduct patent researches or seek external cooperation is to help them achieve digital transformation and improve their efficiency in customer acquisition, risk control and profitability. However, whether commercial banks should develop independently or cooperate with external technology companies to achieve innovation is a question worth discussing.Through the analysis of banks’ patent text and the search of relevant news, this paper creatively puts forward the three Fintech innovation paths of “leading innovation” “following innovation” and “cooperative innovation”, and further examines the heterogeneous impact of different innovation paths on the operational efficiency of commercial banks.The results show that: For large banks, which are represented by state-owned banks and national jointstock banks, “leading innovation” and “following innovation” can significantly promote small-micro enterprises’ credit business, risk management ability and operational efficiency, among which, “leading innovation” plays a more significant role;for small and medium-sized banks, which are represented by urban commercial banks and rural commercial banks, “leading innovation” and “following innovation” do not significantly promote small-micro enterprises’ credit business, risk management ability and operational efficiency,while “cooperative innovation” plays a significant role in promoting these operational indicators.The main contributions are as follows: First, this paper divides the Fintech innovation path of commercial banks into “leading innovation” “following innovation” and “cooperative innovation”, which are innovative in terms of research entry. Second, this paper enriches the related fields on the impact of Fintech on commercial banks. Third, compared with most literature in this field, this paper has more sample banks and larger patent database, which helps to get more general conclusions.

关 键 词：专利创新 商业银行 金融科技 文本分析 爬虫 

分 类 号：F832[经济管理—金融学]