摘要
在数字网络技术飞速发展的背景下,互联网金融通过先进的互联网技术挖掘了传统商业银行的"利基市场",互联网金融无意识、非主动的技术溢出为中国金融体系改革主体——商业银行提供了范本和路径。立足于技术溢出理论探讨互联网金融技术溢出对商业银行效率提升作用机制,结果表明:互联网金融对商业银行效率提升存在正向影响,但不同类型商业银行对互联网金融技术溢出的吸收能力存在差异性。虽然技术进步效率是商业银行效率提升的主力军,但现阶段商业银行的改革重点是通过技术效率的提升促进技术进步效率的吸收。
In the context of the rapid development of digital technology, internet finance has been using advanced internet technology to tap into the 'niche markets' of traditional business banks, the internet financial unconscious, non-active technology that has provided the model of the reform of the Chinese financial system in the form of example and the route. Based on the technology spillover theory, this paper discusses the mechanism of internet financial technology spillover on improving the efficiency of commercial banks. The results show that:internet finance has a positive impact on improving the efficiency of commercial banks, but different types of commercial banks have different absorptive capacity for internet financial technology spillover. Although the efficiency of technological progress is the main force of improving the efficiency of commercial banks, the focus of the current reform of commercial banks is to promote the absorption of the efficiency of technological progress through improving the efficiency of technology.
作者
杨傲
王力
Yang Ao;Wang Li(School of Finance Anhui University of Finance and Economics,Bengbu Anhui 233000,China)
出处
《北京化工大学学报（社会科学版）》
2019年第1期23-29,47,共8页
Journal of Beijing University of Chemical Technology(Social Sciences Edition)
基金
安徽省哲学社会科学规划项目"文化交流对中国OFDI的驱动机制及增长效应研究"(AHSKF2018D20)
关键词
互联网金融
技术溢出
商业银行
全要素生产率
internet finance
technology spillover
commercial banks
TFP(total factor productivity)
