金融科技与商业银行技术效率  

Fintech and Technical Efficiency of Commercial Bank

作　　者：王小梅[1,2] 李炎峰[1] 张岩 WANG Xiao-mei;LI Yan-feng;ZHANG Yan

机构地区：[1]山东大学商学院,威海264209 [2]山东大学自贸区研究院,威海264209

出　　处：《金融论坛》2023年第12期3-15,共13页Finance Forum

基　　金：国家自然科学基金青年项目“异质企业框架下服务贸易壁垒的测度及经济效应研究”(71804095);国家留学基金项目“服务贸易自由化的经济效应研究”(201906225038)。

摘　　要：本文基于2018-2022年中国48家商业银行的样本数据,测算加入金融科技投入和非期望产出的商业银行技术效率,运用分数响应模型研究金融科技对商业银行技术效率的影响及其作用机制与异质性特征。研究发现,金融科技发展能够显著提升商业银行的技术效率。影响机制检验显示,金融科技通过促进金融创新、改善信贷质量、提高盈利能力而提升商业银行技术效率。异质性分析表明,金融科技对位于东部地区、中小规模和非国有商业银行技术效率提升的作用更为显著。Based on the sample data of 48 commercial banks in China from 2018 to 2022,this paper measures the tech-nical efficiency of commercial banks with fintech input and undesired output.This paper uses the fractional response mod-el to study the impact of fintech on the technical efficiency of commercial banks and its mechanism and heterogeneity.The study finds that the development of fintech can significantly improve the technical efficiency of commercial banks.The mechanism test shows that fintech improves the technical efficiency of commercial banks by promoting financial innovation,improving credit quality and improving profitability.Heterogeneity analysis shows that fintech plays a more significant role in improving the technical efficiency for commercial banks of small and medium-sized,non-stated or located in the east-ern region.

关 键 词：金融科技 技术效率 商业银行 分数响应模型 

分 类 号：F832.33[经济管理—金融学] F273.1