金融科技应用与商业银行非利息收入——基于文本挖掘的实证检验  

Application of Fintech and Non-interest Income of Commercial Banks:An Empirical Testing Based on Text Mining

作　　者：钱燕 丁慧[2] 王恬恬 QIAN Yan;DING Hui;WANG Tiantian

机构地区：[1]苏州科技大学商学院,苏州215000 [2]中国工商银行股份有限公司淮安分行,淮安223001

出　　处：《上海商学院学报》2024年第4期56-76,共21页Business Economic Review

基　　金：江苏省社科基金项目“金融供给侧改革支持科技创新对策研究”(19EYB021)。

摘　　要：选取44家上市商业银行为研究样本,运用文本挖掘法构建商业银行金融科技指数,分析金融科技应用对商业银行非利息收入规模和结构的影响,并检验作用机制和银行异质性效应。研究发现,金融科技应用能够显著提高商业银行的非利息收入,降低银行风险水平和提升运营效率在其中发挥机制作用;金融科技应用对股份制商业银行、国有商业银行、城市商业银行的非利息收入具有显著正向影响,对农村商业银行的非利息收入影响不显著;此外,资产规模大、资本充足率高的商业银行的非利息收入受到金融科技的提升作用更为显著。Based on research samples of 44 listed commercial banks,this study uses text mining method to construct a bank fintech index,analyzes the impact of fintech application on the scale and structure of non-interest income of banks,and tests the mechanism of action and the heterogeneity effect.The results show that the application of financial technology has a significantly impact on non-interest income of commercial banks,reducing risk levels and improving operational efficiency play a mechanistic role in it.The application of financial technology has a significant positive impact on non-interest income of joint-stock banks,stateowned banks,and urban commercial banks,but has no significant impact on rural commercial banks.In addition,non-interest income of banks with large asset sizes and high capital adequacy ratios is more significantly enhanced by financial technology.

关 键 词：金融科技 商业银行 非利息收入 风险水平 运营效率 

分 类 号：F832.33[经济管理—金融学] F830.42