财经理论与实践Issue(1)：54-58,5.
互联网金融对商业银行信用卡业务影响的实证研究
An Empirical Study on the Spillover Effect and Substitution Effect of Internet Finance on Banks'Credit Card Revenue
摘要
Abstract
Under the background of the quick development of the Internet finance,this paper firstly analyzes the competition effects and spill over effects of Internet finance on commercial banks'credit card business.The empirical study is conducted using the structural equation models and samples of listed commercial banks with credit card information from 2007 ~2013.The re-sults show that the spillover effect is fulfilled by the intermediary function of the online banking business of commercial banks,and the competition effect is not significant.This result indicates that the Internet finance have promote the credit card business,and commercial banks should be more positive in developing the Internet finance and its business.关键词
互联网金融/信用卡业务/替代效应/溢出效应Key words
Internet finance/credit card business/substitution effect/spillover effect分类
管理科学引用本文复制引用
罗长青,李梦真,杨彩林,卢彦霖..互联网金融对商业银行信用卡业务影响的实证研究[J].财经理论与实践,2016,(1):54-58,5.基金项目
国家自然科学基金青年科学基金项目(71503078)、教育部人文哲学社会科学青年基金项目(13YJCZH123)、湖南省自然科学基金青年项目(14JJ3129)、湖南省高校科技创新团队支持计划(开放经济条件下金融风险度量、控制与政策) （71503078）
