本文關鍵詞：互聯(lián)網(wǎng)金融對我國中小銀行盈利與風險的影響研究　出處：《西北農林科技大學》2017年碩士論文　論文類型：學位論文

  更多相關文章： 互聯(lián)網(wǎng)金融 中小銀行 金融功能 盈利能力 風險

【摘要】：21世紀以來,新興網(wǎng)絡技術發(fā)展和移動終端設備的廣泛使用,給人們的生活帶來了巨大的改變。目前,互聯(lián)網(wǎng)在我國國民中的普及率已超過一半以上,我國上網(wǎng)人數(shù)高達7.3億,超過了全球的平均水平,位居世界前列。與此同時,支付寶和微信支付等新興支付方式迅速擴張,2016年中國社交網(wǎng)絡支付市場規(guī)模已達到了2.9萬億美元。此外,網(wǎng)絡借貸與互聯(lián)網(wǎng)理財產品等發(fā)展也十分迅猛,截止2016年9月,阿里巴巴旗下螞蟻金服已向超過411萬家小微企業(yè)和創(chuàng)業(yè)者發(fā)放了7400億元人民幣的貸款,理財產品“余額寶”已為超過1.52億客戶提供服務。在此背景下,銀行業(yè)受到互聯(lián)網(wǎng)金融的廣泛影響,中小銀行作為銀行業(yè)體系不可或缺的組成部分,與大型商業(yè)銀行一樣面臨著互聯(lián)網(wǎng)金融的沖擊。但是相對大型銀行而言,中小銀行因其在資產規(guī)模、資金渠道、網(wǎng)點分布等方面處于劣勢,受到的互聯(lián)網(wǎng)金融的沖擊更加明顯。本文基于金融功能理論,回顧了以往對于互聯(lián)網(wǎng)金融及其與金融機構關系的研究,梳理了互聯(lián)網(wǎng)金融發(fā)展的歷程,對中小銀行盈利能力及其面臨的風險進行了總結,在此基礎上,對互聯(lián)網(wǎng)金融對中小銀行盈利與風險的影響機理進行了理論分析,并提出相關假設,進而以19家中小銀行從2008到2015年的數(shù)據(jù)為樣本,通過個體固定效應回歸模型對中小銀行受到的互聯(lián)網(wǎng)金融的影響進行了驗證。通過理論與實證研究表明,在盈利能力方面,互聯(lián)網(wǎng)金融的發(fā)展對中小銀行盈利性指標產生了顯著負向影響,即面對互聯(lián)網(wǎng)金融的沖擊,中小銀行的盈利能力下降。在風險管理方面,互聯(lián)網(wǎng)金融的發(fā)展對中小銀行不良貸款風險有正向顯著影響,即互聯(lián)網(wǎng)金融的發(fā)展加劇了中小銀行不良貸款風險,與此同時互聯(lián)網(wǎng)金融發(fā)展對破產風險指標并沒有顯著影響,表明互聯(lián)網(wǎng)金融并未引起中小銀行的破產風險。結論表明,隨著金融科技不斷進步,互聯(lián)網(wǎng)金融發(fā)展壯大并降低了金融服務的門檻,對傳統(tǒng)金融業(yè)務產生了沖擊和替代,這對于中小銀行來說,是挑戰(zhàn)也是機遇,面對互聯(lián)網(wǎng)金融的沖擊,中小銀行同樣可以利用不斷創(chuàng)新的互聯(lián)網(wǎng)技術拓展出自己的特色業(yè)務,進而獲得長足的發(fā)展。
[Abstract]:Since 21th century, the development of new network technology and the widespread use of mobile terminal devices have brought great changes to people's lives. At present, the popularization rate of Internet in our country has been more than half. The number of people online in China is as high as 730 million, which exceeds the global average and ranks among the top in the world. At the same time, new payment methods such as Alipay and WeChat Pay are expanding rapidly. China's social network payment market has reached $2.9 tillion in 2016. In addition, online lending and Internet wealth management products are also growing rapidly, as of September 2016. Mr Alibaba's Ant Financial Services Group has lent more than 740 billion renminbi to more than 4.11 million small businesses and entrepreneurs. Yu'e Bao, a wealth management product, has provided services to more than 152 million customers. In this context, the banking industry is widely influenced by Internet finance, and small and medium-sized banks are an indispensable part of the banking system. Like large commercial banks, they are facing the impact of Internet finance. However, compared with large banks, small and medium-sized banks are at a disadvantage because of their asset size, capital channels, network distribution and so on. The impact of Internet finance is more obvious. Based on the theory of financial function, this paper reviews the previous research on Internet finance and its relationship with financial institutions, and combs the development of Internet finance. On the basis of summarizing the profitability of small and medium-sized banks and the risks they face, this paper makes a theoretical analysis of the influence mechanism of Internet finance on the profitability and risk of small and medium-sized banks, and puts forward relevant assumptions. Then take the data of 19 small and medium-sized banks from 2008 to 2015 as a sample. Through the individual fixed effect regression model to verify the impact of small and medium-sized banks on Internet finance. Through theoretical and empirical research, it shows that the profitability. The development of Internet finance has a significant negative impact on the profitability of small and medium-sized banks, that is, in the face of the impact of Internet finance, the profitability of small and medium-sized banks has declined. The development of Internet finance has a positive and significant impact on the risk of non-performing loans of small and medium-sized banks, that is, the development of Internet finance intensifies the risk of non-performing loans of small and medium-sized banks. At the same time, the development of Internet finance has no significant impact on bankruptcy risk indicators, indicating that Internet finance has not caused bankruptcy risk of small and medium-sized banks. Internet financial development and reduce the threshold of financial services, to the traditional financial business impact and substitution, for small and medium-sized banks, is a challenge but also an opportunity, facing the impact of Internet finance. Small and medium-sized banks can also use innovative Internet technology to expand their own unique business, and then get considerable development.
【學位授予單位】：西北農林科技大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F724.6;F832.3;F830.42

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