摘要
本文立足于知识吸收能力理论,通过DEA-Malmquist模型以及文本挖掘法构建计量模型,结合2011—2018年38家商业银行的相关数据来探究商业银行对金融科技的吸收能力是否存在异质性。结果表明,商业银行的异质性对其金融科技吸收能力确有影响,其中,股份制商业银行吸收能力最强,国有商业银行次之,城市商业银行吸收能力最弱。本文将金融科技吸收能力与金融发展相结合,对于银行业发展来说,这有利于银行业认清现状,从而取长补短,有助于加快银行业金融科技化进程,推动商业银行在盈利模式、业务形态、资产负债、信贷关系、渠道拓展等方面持续优化和创新;对于投融资市场来说,明晰的“金融科技化”界定有助于投融资方根据自身需求及银行特点快捷高效地选择银行,实现金融数据共享,助力解决实体企业融资难题。
Based on the theory of absorptive capacity,this paper constructs a measurement model by DEA-Malmquist model and text mining method,and explores whether there are heterogeneity differences in the absorptive capacity of commercial banks to financial science and technology with the relevant data of 38 commercial banks from 2011 to 2018.The results show that the heterogeneity of commercial banks has a real influence on their financial science and technology absorption ability,the joint-stock commercial banks have the strongest absorption ability,the state-owned commercial banks followed,and the urban commercial banks have the weakest absorption ability.This study combines absorptive capacity with financial development.In terms of industry development,it is beneficial for banks to recognize the current situation,so as to make up for their shortcomings and accelerate the process of fintech.It can also drive commercial banks to continue to optimize and innovate in terms of profitability models,business forms,assets and liabilities,credit relationships,and channel expansion.The clear definition of financial science and technology will help the investors to select banks quickly and efficiently according to their individual needs and characteristics,realize financial data sharing,and help solve the financing problems of real enterprises.
作者
伍楠林
宋烜
张希
Wu Nanlin;Song Xuan;Zhang Xi
出处
《金融学季刊》
2022年第1期48-71,共24页
Quarterly Journal of Finance
关键词
吸收能力
金融科技
异质性商业银行
Absorption Capacity
Financial Science and Technology
Heterogeneous Commercial Banks
