【摘要】：互聯(lián)網(wǎng)金融是互聯(lián)網(wǎng)企業(yè)運用互聯(lián)網(wǎng)技術和信息技術,實現(xiàn)資金融通、支付、投資和信息中介服務的新型金融業(yè)務模式。商業(yè)銀行中間業(yè)務是指不構成銀行表內資產與負債,商業(yè)銀行以代理人的身份為客戶辦理的各種業(yè)務。中間業(yè)務是商業(yè)銀行長遠發(fā)展的利潤增長點,也是互聯(lián)網(wǎng)金融與商業(yè)銀行競爭的焦點,因此對互聯(lián)網(wǎng)金融驅動商業(yè)銀行中間業(yè)務發(fā)展進行研究。首先對互聯(lián)網(wǎng)金融業(yè)務和商業(yè)銀行中間業(yè)務進行分類及發(fā)展分析,理出其中與商業(yè)銀行相關的互聯(lián)網(wǎng)金融業(yè)務主要為第三方支付、互聯(lián)網(wǎng)貨幣基金和P2P網(wǎng)貸。從互聯(lián)網(wǎng)金融三種業(yè)務的角度入手,分析互聯(lián)網(wǎng)金融驅動商業(yè)銀行中間業(yè)務發(fā)展的機理:第三方支付一方面弱化銀行支付中介功能,分成支付手續(xù)費并使手續(xù)費率下降,擠壓中間業(yè)務,另一方面降低客戶成本,分流銀行支付類中間業(yè)務客戶;互聯(lián)網(wǎng)貨幣基金一方面部分替代銀行金融服務功能,分成理財手續(xù)費,擠壓中間業(yè)務,另一方面降低客戶成本,分流銀行理財類中間業(yè)務客戶;P2P網(wǎng)貸一方面繞開銀行直接融通借貸雙方,使銀行一定程度上脫媒,失去開展中間業(yè)務的資金基礎,另一方面降低客戶成本,分流銀行代理理財類中間業(yè)務客戶。三種業(yè)務發(fā)展均可能導致銀行中間業(yè)務收入下降,在業(yè)務競爭驅動下銀行中間業(yè)務發(fā)展。實證研究互聯(lián)網(wǎng)金融驅動商業(yè)銀行中間業(yè)務的發(fā)展,將第三方支付、互聯(lián)網(wǎng)貨幣基金和P2P網(wǎng)貸作為核心解釋變量,剔除數(shù)據(jù)不可得的銀行,以16家商業(yè)銀行2013年第三季度-2016年第三季度的季度數(shù)據(jù)為樣本,建立面板數(shù)據(jù)模型進行回歸分析,研究發(fā)現(xiàn):第三方支付和互聯(lián)網(wǎng)貨幣基金對中間業(yè)務存在顯著負向影響,P2P網(wǎng)貸對中間業(yè)務的負向影響不顯著。說明第三方支付和互聯(lián)網(wǎng)貨幣基金的發(fā)展擠壓中間業(yè)務和分流客戶的作用較大,而P2P網(wǎng)貸發(fā)展對中間業(yè)務替代作用有限,可能與P2P網(wǎng)貸發(fā)展不規(guī)范和存管資金流回銀行等原因有關。商業(yè)銀行在互聯(lián)網(wǎng)金融業(yè)務競爭驅動下利用自身優(yōu)勢發(fā)展創(chuàng)新支付和理財類等中間業(yè)務以及拓展其他創(chuàng)新型中間業(yè)務以應對其面臨的沖擊。
[Abstract]:Internet finance is a new financial business mode in which Internet enterprises use Internet technology and information technology to realize financing, payment, investment and information intermediary services. The intermediate business of commercial bank is a kind of business that does not constitute the assets and liabilities in the bank statement and is handled by the commercial bank as an agent for its customers. Intermediary business is the profit growth point of the long-term development of commercial banks, and it is also the focus of competition between Internet finance and commercial banks. Therefore, Internet finance drives the development of intermediate business of commercial banks. Firstly, the classification and development analysis of Internet financial business and intermediate business of commercial bank is carried out, and the Internet financial business related to commercial bank is mainly paid by third party, Internet money fund and P2P network loan. From the perspective of Internet finance, this paper analyzes the mechanism of Internet finance driving the development of intermediate business in commercial banks: on the one hand, the third party payment weakens the intermediary function of bank payment, divides the payment fee into payment fees and reduces the formalities rate. Squeeze the intermediate business, on the other hand, reduce the customer cost, divert the bank payment intermediate business customers; On the one hand, the Internet money Fund partly replaces the function of banking financial services, divides into financial services fees, squeezing intermediate business, on the other hand, reduces customer costs and diverts bank financial intermediary business customers; On the one hand, P2P network loan bypasses the bank to directly finance both lenders and lenders, so that the bank disintermediates to a certain extent, loses the capital base of carrying out the intermediate business, on the other hand, reduces the customer cost and diverts the bank agent financial intermediary business customers. All three kinds of business development may lead to the decline of the bank intermediate business revenue, driven by the business competition in the development of the bank intermediate business. An empirical study of Internet finance drives the development of intermediate business in commercial banks. Third-party payments, Internet money funds and P2P network loans are taken as core explanatory variables, and banks that are not available for data are excluded. Taking the quarterly data of 16 commercial banks from the third quarter of 2013 to the third quarter of 2016 as a sample, a panel data model was established for regression analysis. The results show that third-party payments and the Internet Monetary Fund have a significant negative impact on intermediate business. The negative effect of P2P network loan on intermediate business is not significant. It shows that the third-party payment and the development of the Internet Monetary Fund play a greater role in squeezing the intermediate business and diverting customers, while the P2P network loan development has a limited role in the substitution of the intermediate business. It may be related to the non-standard development of P2P network loans and the return of deposit management funds to banks. Driven by the competition of Internet financial business, commercial banks take advantage of their own advantages to develop intermediate businesses such as innovative payment and financial management and expand other innovative intermediary businesses to cope with the impact they face.
【學位授予單位】：北京交通大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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