本文選題：互聯(lián)網(wǎng)金融 + 商業(yè)銀行績效　； 參考：《華僑大學(xué)》2017年碩士論文

【摘要】：近年來,互聯(lián)網(wǎng)信息技術(shù)在社會各界得到了廣泛的應(yīng)用,尤其以P2P網(wǎng)貸、眾籌和第三方支付等為代表的互聯(lián)網(wǎng)金融,正在以人們難以想象的速度迅猛發(fā)展,備受社會及學(xué)術(shù)各界的矚目。對于傳統(tǒng)金融行業(yè)而言,是機遇更是挑戰(zhàn)。在這一研究背景下,本文詳細闡述并總結(jié)了國內(nèi)外關(guān)于互聯(lián)網(wǎng)金融的研究成果,在此基礎(chǔ)上,從正反兩個方面對互聯(lián)網(wǎng)金融對商業(yè)銀行績效的影響進行了理論分析,提出兩點假說:其一,互聯(lián)網(wǎng)金融的發(fā)展會對商業(yè)銀行的資產(chǎn)、負債和中間業(yè)務(wù)產(chǎn)生沖擊,進而對商業(yè)銀行的經(jīng)營績效產(chǎn)生負面影響;其二,互聯(lián)網(wǎng)金融通過示范效應(yīng)(Demonstration Effect)、競爭效應(yīng)(Competition Effects)、人才流動效應(yīng)(Talents MobilityEffect)與業(yè)務(wù)聯(lián)系效應(yīng)(LinkageEffect)給商業(yè)銀行帶來了技術(shù)溢出,因此互聯(lián)網(wǎng)金融的發(fā)展有助于商業(yè)銀行經(jīng)營績效的提升。為驗證本文的兩點假說,首先,分別采用DEA方法和綜合指數(shù)法測算我國商業(yè)銀行的全要素生產(chǎn)率和互聯(lián)網(wǎng)金融發(fā)展指數(shù),并根據(jù)相關(guān)文獻研究,選定控制變量,設(shè)定計量模型;其次,采用動態(tài)面板的GMM方法回歸計量方程;最后,根據(jù)回歸結(jié)果,總結(jié)本文的研究結(jié)論。研究結(jié)論表明,互聯(lián)網(wǎng)金融對商業(yè)銀行同時存在正反兩個方面的影響:一方面,互聯(lián)網(wǎng)金融從多個領(lǐng)域向商業(yè)銀行的傳統(tǒng)業(yè)務(wù)進行了滲透,并利用其獨有的優(yōu)勢,給商業(yè)銀行帶來了一定的沖擊,降低了商業(yè)銀行的經(jīng)營效率;另一方面,互聯(lián)網(wǎng)金融通過示范效應(yīng)、競爭效應(yīng)、人才流動效應(yīng)和業(yè)務(wù)聯(lián)系效應(yīng)對商業(yè)銀行產(chǎn)生了技術(shù)溢出,商業(yè)銀行可以通過消化吸收在互聯(lián)網(wǎng)金融中深度應(yīng)用的互聯(lián)網(wǎng)信息技術(shù),提高自身的經(jīng)營效率。本文的研究結(jié)論對商業(yè)銀行有如下四點啟示:第一,需要充分認識到互聯(lián)網(wǎng)金融帶來的沖擊和挑戰(zhàn),認清自身的劣勢;第二,充分認識互聯(lián)網(wǎng)金融的技術(shù)優(yōu)勢,加大對信息技術(shù)的投入,提升自身技術(shù)水平;第三,互聯(lián)網(wǎng)金融能夠突破傳統(tǒng)金融行業(yè)的規(guī)模瓶頸,滿足零散的、小量的、個性化的需求,實現(xiàn)長尾效應(yīng),因此,它將分流傳統(tǒng)商業(yè)銀行客戶群體中凈值較低的、分散的個人客戶,從而對零售銀行業(yè)務(wù)造成威脅。第四,商業(yè)銀行與互聯(lián)網(wǎng)金融不只是單純的競爭關(guān)系,通過交叉融合、優(yōu)勢互補和資源共享,可以達到互利共贏的目標。
[Abstract]:In recent years, Internet information technology has been widely used in all walks of life, especially the Internet finance represented by P2P network loan, crowdfunding and third party payment, which is developing at an unimaginable speed. It has attracted the attention of the society and academic circles. For the traditional financial industry, it is an opportunity and a challenge. Under this research background, this article elaborated and summarized the domestic and foreign research results about the Internet finance in detail, on this basis, has carried on the theory analysis from the positive and the negative two aspects to the commercial bank performance influence. Two hypotheses are put forward: first, the development of Internet finance will have an impact on the assets, liabilities and intermediary business of commercial banks, and then have a negative impact on the business performance of commercial banks; second, Internet finance brings technology spillover to commercial banks through demonstration effect, competition effect, talent flow effect and business connection effect. Therefore, the development of Internet finance is helpful to the improvement of commercial banks' business performance. In order to verify the two hypotheses of this paper, first of all, the total factor productivity and Internet financial development index of commercial banks in China are calculated by DEA method and comprehensive index method, and according to the relevant literature research, the control variables are selected and the econometric model is set up. Secondly, the dynamic panel GMM method is used to regression the econometric equation. Finally, according to the regression results, the conclusion of this paper is summarized. The research results show that Internet finance has both positive and negative effects on commercial banks. On the one hand, Internet finance has penetrated into the traditional business of commercial banks from many fields and made use of its unique advantages. On the other hand, through demonstration effect, competition effect, talent flow effect and business connection effect, Internet finance has produced technology spillover to commercial bank. Commercial banks can improve their management efficiency by digesting and absorbing the Internet information technology deeply applied in Internet finance. The conclusions of this paper have four enlightenments to commercial banks as follows: first, it is necessary to fully recognize the impact and challenges brought by Internet finance, to recognize their own weaknesses; second, to fully understand the technological advantages of Internet finance. Third, Internet finance can break through the bottleneck of the scale of traditional financial industry, meet the scattered, small and individualized demand, and realize the long-tail effect. It will divert the low net worth individual customers from the traditional commercial bank customer group, thus pose a threat to the retail banking business. Fourth, commercial banks and Internet finance are not only competitive relations, but also can achieve the goal of mutual benefit and win-win through cross-integration, complementary advantages and resource sharing.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832.33

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