当代金融研究2024，Vol.7Issue(7)：19-33,15.DOI:10.20092/j.cnki.ddjryj.2024.07.002
金融科技对商业银行经营效率的影响研究
Research on the Influence of Financial Technology on the Operational Efficiency of Commercial Banks
黄春雅 1张科 2陈铭婧3
作者信息
- 1. 桂林旅游学院商学院,广西桂林 541006
- 2. 中国人民银行涪陵分行,重庆 408000
- 3. 澳门城市大学金融学院,澳门 999078
- 折叠
摘要
Abstract
Based on the panel data of 34 commercial banks from 2013 to 2022 and the Peking University Digital Financial Inclusion Index,this paper calculates the change level of operational efficiency through the DEA-Malmquist model,and es-tablishes a multiple panel regression model to explore the relationship between fin-tech and the operational efficiency of commercial banks.The results show that:(1)the development of financial technology has a significant positive impact on the im-provement of the operational efficiency of commercial banks;(2)Profitability,non-performing loan ratio,capital structure and other factors of commercial banks are the main forces to promote the improvement of their operating efficiency;(3)The impact of fintech on the operating efficiency of different types of commercial banks is heterogeneous;(4)The development of financial technology can improve the op-eration efficiency of commercial banks by reducing capital cost and increasing inter-mediate business income.The development of fintech can significantly improve the operating efficiency of state-owned commercial banks and rural commercial banks,but the impact on joint-stock commercial banks and urban commercial banks is not significant.Commercial banks should actively face the challenges and opportunities brought by financial technology,increase investment in financial technology,attach importance to the training of scientific and technological talents,and take different countermeasures according to their own business characteristics to achieve trans-formation and upgrading.Supervision should focus on preventing systemic risks brought by fintech and creating a healthy environment for the development of China's commercial banks.关键词
金融科技/商业银行效率/异质性/DEA-MalmquistKey words
Financial Technology/Commercial Banks Efficiency/Heterogeneity/DEA-Malmquist分类
管理科学引用本文复制引用
黄春雅,张科,陈铭婧..金融科技对商业银行经营效率的影响研究[J].当代金融研究,2024,7(7):19-33,15.
