互联网金融发展对中国商业银行绩效的影响研究.docxVIP

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 中文摘要 互联网金融在技术的不断革新下，焕发出蓬勃生机，持续创新发展模式，从第三方支付到网贷、众筹，再到近几年非常热门的数字货币，这些使商业银行在存贷款、支付结算及理财等领域面临挑战，传统的金融市场受到一定的冲击。根据技术溢出理论，互联网金融能够推动商业银行进行技术革新，这是正向影响；但在资产、负债和利润这三个方面却存在负向影响。 互联网金融模式中出现较早的是第三方支付，发展至今已然席卷全国，被人们认为是生活支付的首要选择。在实证过程中以第三方支付为分析对象，选择2006-2017年30家商业银行和第三方支付规模和增速数据，计算出第三方支付增量的自然对数作为解释变量，用资本收益率衡量商业银行绩效，将其作为被解释变量。除了利用全样本银行进行分析外，还将商业银行分为国有商业银行、股份制商业银行和城市商业银行，分别讨论第三方支付对其绩效的影响。经过检验选择相应的面板模型进行回归，回归结果可以证明：第三方支付对商业银行具有明显负向影响。 关键词：互联网金融；商业银行；绩效 精心整理 仅供参考 勿用作商业用途 Abstract Internet financial under the innovation of new technology, coruscate gives vitality, continuous innovation and development mode, from the third party payment to net lending, the raise, to the very popular digital currency in recent years, the commercial Banks in deposit, payment settlement and financial challenges, the traditional financial market has been a certain impact.According to the technology spillover theory, Internet finance can promote commercial Banks to carry out technological innovation, which is a positive impact;But there are negative effects in assets, liabilities and profits. Third-party payment emerged earlier in the Internet financial model, which has been swept across the country and regarded as the primary choice of life payment.In the empirical process, this paper takes the third-party payment as the analysis object, selects the size and growth data of 30 commercial Banks and third-party payment from 2006 to 2017, calculates the natural logarithm of the increment of third-party payment as the explanatory variable, measures the performance of commercial Banks with the rate of return on capital, and takes it as the explained variable.In addition to using full sample Banks for analysis, commercial Banks are also divided into state-owned commercial Banks, joint-stock commercial Banks and urban commercial Banks to discuss the impact of third-party payment on them.After the test, the corresponding panel model is selected for regres