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我国商业银行绩效提升策略研究(摘要)—论文资讯

发布时间:2018-02-25 11:26     浏览量:
随着金融业的迅速发展,大众对于金融业的需求呈现出多元化和复杂化的趋势,传统银行业务已经无法满足用户需求。适逢互联网技术的迅速发展,被称为“互联网金融”的新模式应运而生。近几年阿里巴巴和腾讯这两大网络巨头迅速发展互联网金融业务,推出支付宝、蚂蚁花呗、微信红包等划时代等产品,依靠庞大的用户群和良好的用户体验,迅速占领了市场取得巨大的成功。互联网金融的蓬勃发展,却令以银行为主体的传统金融业受到一定影响。在今天商业银行与互联网金融的关系如何,怎么才能更好地与网络结合发展,令商业银行的金融业务摆脱影提高绩效成为了时下的热点问题,值得深入探讨。
理论方面分析了互联网金融发展对银行绩效的影响机制,结果表明互联网金融的发展对银行绩效的作用有利有弊。一方面互联网金融的发展使得银行在存贷领域的成本上升,直接降低了银行利润率,并对银行的支付等渠道产生挤出效应;另一方面互联网金融的发展,在一定程度上又倒逼银行自身创新,银行提高自身效率直接表现为成本的降低,这有助于银行提升自身利润率,进而提升自身绩效。
实证研究方面,本文先是通过介绍当前衡量互联网金融发展水平的方法,进而选取了两种从不同角度来构建衡量互联网金融发展水平的方法:引人由北京大学互联网金融研究中心联合上海新金融研究院以及蚂蚁金服集团共同编制的一套衡量我国互联网金融发展水平的“北京大学互联网金融发展指数”、基于国外相关文献以及国内学者的实践经验,利用互联网搜索引擎,基于“文本挖掘法”来构造衡量互联网金融发展水平的指数。在前两个指数的基础上,通过面板数据模型来分别分析不同方法构建的互联网金融发展指数对于银行绩效的影响,并将两者实证结果进行对比论证,最终研究结果表明:两个互联网金融发展指数对银行绩效的回归结果,其前面的系数都呈现出显著的负号,表明目前互联网金融的发展总体来说对银行绩效是一个负向的作用,互联网金融的发展会导致银行绩效的下降吸收互联网金融的优势,并认为银行只有不断创新,主动拥抱互联网金融只有这样,银行才能在面对互联网金融不断发展的浪潮中增强自身竞争力,以更好的应对未来的挑战。
 
关键词:互联网金融;商业银行绩效;测度方法

Abstract

With the rapid development of the financial industry, the general public has a diversified and complicated trend of demand for the financial industry, and the traditional banking business can no longer meet the needs of users. Coincides with the rapid development of Internet technology, known as the "Internet Finance" new model came into being In recent years, Alibaba and Tencent these two major network giant rapid development of Internet finance business, launched Alipay, ant flower chanting, micro-channel red envelopes epoch And other products, relying on a large user base and a good user experience, quickly. Occupied the market with great success. The rapid development of Internet finance has brought about a certain impact on the traditional financial industry with banks as its mainstay. In today's commercial banks and Internet finance how, how can we combine with the development of the network, make the financial business of commercial banks out of shadow to improve performance has become a hot issue nowadays, it is worth in-depth discussion.
Theoretical analysis of the impact of Internet finance on bank performance, the results show that the development of Internet finance on the bank's performance has both advantages and disadvantages. On the one hand, the development of Internet finance makes banks' costs in deposit and loan area directly lower their profit margins and squeeze out channels such as bank payment. On the other hand, the development of Internet finance has, to some extent, forced down Bank's own innovation, banks to improve their own efficiency directly for the performance of the lower, which helps banks to improve their own profit margins, thereby enhancing their performance.
In terms of empirical research, this paper first introduces two methods to measure the level of Internet finance from different angles by introducing the current methods to measure the level of development of Internet finance: Introducing Peking University Internet Finance Research Center and Shanghai New Finance Research Institute And a set of ant financial service group jointly compiled a set of measures to measure the level of Internet finance in China, "Peking University Internet Finance Development Index", based on relevant literature and domestic scholars of practical experience, the use of Internet search engine, based on the "text mining law" to construct An index to measure the level of Internet finance. On the basis of the first two indexes, we analyze the influence of internet finance development indexes constructed by different methods on bank performance through panel data model, and compare and prove the two empirical results. The final results show that the two Internet finance development Index regression results of bank performance, the coefficient in front of them all showed a significant negative sign, indicating that the current development of Internet finance overall for bank performance is a negative effect, the development of Internet finance will lead to the decline in bank performance Absorb the advantages of Internet finance and think banks can innovate and embrace Internet finance only. Only in this way can banks enhance their competitiveness in the face of the continuous development of Internet finance in order to better meet the challenges of the future.
 
Keywords: internet finance; commercial bank performance; measurement method()

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