摘要
自第三次工业革命以来,人类进入"信息时代",信息的大爆炸,在一定程度上缓解了广大企业——不论是普通企业还是金融机构有关信息不对称的问题。随着科技的发展,世界即将进入第四次工业革命,科学技术、人工智能开始逐渐增加在企业尤其是金融机构发展中所占的份额,而金融机构在科技与人工智能上的投入,在近年来也是越来越多。大多学者认为,未来金融科技会大大促进我国经济的发展,但我国将金融科技融入金融机构为时尚短,短期内会呈现什么状态尚属空白。就金融科技在短时间内对金融机构盈利能力的影响,使用16家上市商业银行的财务数据以及其他相关统计数据展开实证分析。结果表明,在短期内,随着加大对商业银行的金融科技力量的支持力度,更多地出现了冲击现象。
Since the third industrial revolution,mankind has entered the"information age".The big explosion of information has alleviated the problem of information asymmetry in large enterprises,no matter ordinary enterprises or financial institutions,to a certain extent.With the development of science and technology,the world is about to enter the fourth industrial revolution.Science,technology and artificial intelligence begin to gradually increase their share in the development of enterprises,especially financial institutions,and financial institutions have invested more and more in science and technology and artificial intelligence in recent years.Most scholars believe that fintech will greatly promote the development of China’s economy in the future,but it is fashionable to integrate fintech into financial institutions in China,and there is still nothing to be seen in the short term.This paper makes an empirical analysis on the impact of fintech on the profitability of financial institutions in a short period of time,using financial data of16 listed commercial Banks and other relevant statistical data.The results show that,in the short term,with the increasing support for the financial technology power of commercial Banks,there are more shocks.
作者
高怡君
段江娇
GAO Yi-jun;DUAN Jiang-jiao(University of Shanghai for Science and Technology,Shanghai 200093,China)
出处
《经济研究导刊》
2020年第3期88-93,共6页
Economic Research Guide
