【摘要】：從核心業(yè)務(wù)和綜合效率2個層面細致地分析互聯(lián)網(wǎng)金融對商業(yè)銀行的影響。在核心業(yè)務(wù)層面,通過逐個分析互聯(lián)網(wǎng)金融對商業(yè)銀行3大核心業(yè)務(wù)的影響,探究互聯(lián)網(wǎng)金融對商業(yè)銀行盈利狀況的影響程度;在效率層面,通過建立向量自回歸模型分析互聯(lián)網(wǎng)金融對商業(yè)銀行綜合效率的影響,并進一步通過脈沖響應(yīng)函數(shù)分析其影響的方向及其時滯特征。研究結(jié)論表明,互聯(lián)網(wǎng)金融對商業(yè)銀行的影響是雙面的:在核心業(yè)務(wù)方面,互聯(lián)網(wǎng)金融通過蠶食商業(yè)銀行的市場份額,削弱其壟斷地位和競爭優(yōu)勢,減少其利潤,對其經(jīng)營帶來了負面影響;與此相反,在效率方面,互聯(lián)網(wǎng)金融對商業(yè)銀行的綜合效率具有顯著的正向沖擊,互聯(lián)網(wǎng)金融通過倒逼機制提升商業(yè)銀行的綜合效率,對其經(jīng)營產(chǎn)生了正向影響。
[Abstract]:This paper analyzes the impact of Internet finance on commercial banks from two aspects of core business and comprehensive efficiency. At the core business level, by analyzing the impact of Internet finance on the three core businesses of commercial banks, this paper explores the impact of Internet finance on the profitability of commercial banks. A vector autoregressive model is established to analyze the influence of Internet finance on the comprehensive efficiency of commercial banks, and the direction of influence and the characteristics of delay are analyzed by impulse response function. The results show that the impact of Internet finance on commercial banks is two-sided: in core business, Internet finance weakens its monopoly position and competitive advantage and reduces its profit by encroaching on the market share of commercial banks. On the contrary, Internet finance has a significant positive impact on the comprehensive efficiency of commercial banks. Internet finance promotes the comprehensive efficiency of commercial banks by forcing mechanisms. It has a positive effect on its management.
【作者單位】： 西安科技大學(xué)管理學(xué)院;
【基金】：陜西省教育廳科學(xué)研究專項項目(13JK0220) 西安科技大學(xué)哲學(xué)社會科學(xué)繁榮發(fā)展計劃項目(2016SY01)
【分類號】：F724.6;F832.33
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本文編號：2291006