金融科技背景下移动支付发展对商业银行盈利能力的影响  

Effect of Mobile Payment Development on the Profitability of Commercial Banks under the Background of Fintech

作　　者：胡毅 张文扬[1] 魏云捷 Hu Yi;Zhang Wenyang;Wei Yunjie(School of Economics and Management,University of Chinese Academy of Sciences,Beijing 100190;Key Laboratory of Big Data Mining and Knowledge Management,Chinese Academy of Sciences,Beijing 100190;Academy of Mathematics and Systems Science,Chinese Academy of Sciences,Beijing 100190;Center for Forecasting Science,Chinese Academy of Sciences,Beijing 100190)

机构地区：[1]中国科学院大学经济与管理学院,北京100190 [2]中国科学院大数据挖掘与知识管理重点实验室,北京100190 [3]中国科学院数学与系统科学研究院,北京100190 [4]中国科学院预测科学研究中心,北京100190

出　　处：《管理评论》2024年第4期30-38,共9页Management Review

基　　金：国家自然科学基金面上项目(72073124);国家自然科学基金青年项目(71801213);国家自然科学基金中心项目(71988101)。

摘　　要：本文选取2013—2018年105家中国境内商业银行的数据作为研究样本,研究了移动支付发展对商业银行盈利能力的影响。结果表明,移动支付发展使得商业银行整体盈利能力显著下降,利息收入能力显著下降,且对盈利结构也有显著影响,整体非利息收入占比显著上升。移动支付发展对不同类型商业银行盈利能力的影响具有异质性,对城市商业银行和农村商业银行的冲击更为明显,国有大型商业银行和股份制商业银行受冲击相对较小。最后,本文为商业银行如何适应金融科技发展提出了相应建议。Based on the data of 105 commercial banks in China from 2013 to 2018,we analyze the effect of mobile payment on the profitability of commercial banks.The results show that mobile payment decreases the overall profitability of commercial banks and the interest income,and the profit structure changes,with the proportion of non-interest income rising significantly.Moreover,the effect of mobile payment on the profitability of different types of commercial banks is heterogeneous,with more obvious effect on urban commercial banks and rural commercial banks.As for large state-owned commercial banks and joint-stock commercial banks,the effect is relatively small.Finally,we give some suggestions for commercial banks to adapt to the development of financial science and technology.

关 键 词：金融科技 移动支付 商业银行 盈利能力 

分 类 号：F832.2[经济管理—金融学] F830.42