【摘要】：近年來隨著互聯(lián)網(wǎng)金融的不斷發(fā)展,商業(yè)銀行的收益水平受到了較大影響。本文選取我國101家商業(yè)銀行2011-2015年的面板數(shù)據(jù),首次利用百度指數(shù)構(gòu)建互聯(lián)網(wǎng)金融指數(shù),并采用理論分析與實(shí)證分析相結(jié)合的方法,深入研究了互聯(lián)網(wǎng)金融對(duì)于商業(yè)銀行收益的影響。研究結(jié)果表明,雖然互聯(lián)網(wǎng)金融能夠通過技術(shù)外溢效應(yīng)對(duì)銀行產(chǎn)生積極影響,但是由于競爭效應(yīng)所帶來的消極影響更強(qiáng),所以互聯(lián)網(wǎng)金融的發(fā)展對(duì)商業(yè)銀行的收益水平造成了顯著的負(fù)向影響。這主要是由于互聯(lián)網(wǎng)金融的發(fā)展對(duì)商業(yè)銀行的資產(chǎn)業(yè)務(wù)、負(fù)債業(yè)務(wù)和非利息業(yè)務(wù)都造成了一定程度的沖擊。在此基礎(chǔ)上,我們?yōu)樯虡I(yè)銀行與互聯(lián)網(wǎng)金融的良好協(xié)調(diào)發(fā)展提出了合理化建議。
[Abstract]:In recent years, with the development of Internet finance, the income level of commercial banks has been greatly affected. In this paper, the panel data of 101 commercial banks from 2011 to 2015 are selected and the Internet financial index is constructed by using Baidu Index for the first time, and the method of combining theoretical analysis with empirical analysis is adopted. In-depth study of the impact of Internet finance on the earnings of commercial banks. The results show that although Internet finance can have a positive impact on banks through the spillover effect of technology, the negative impact of competition effect is stronger. Therefore, the development of Internet finance has a significant negative impact on the income level of commercial banks. This is mainly due to the development of Internet finance on the assets of commercial banks, debt business and non-interest business has caused a certain degree of impact. On this basis, we put forward reasonable suggestions for the good coordinated development of commercial banks and Internet finance.
【作者單位】： 南開大學(xué)金融學(xué)院;
【基金】：“中國特色社會(huì)主義經(jīng)濟(jì)建設(shè)協(xié)同中心”2015年度教育部社科項(xiàng)目“我國宏觀審慎政策協(xié)調(diào)問題研究”(項(xiàng)目編號(hào):15YJA790090)
【分類號(hào)】：F724.6;F832.33

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