摘要
互联网金融的蓬勃发展对商业银行产生了实质性的冲击。本文从第三方支付的角度出发,基于变系数随机效应面板模型进行回归分析,进一步做个体效应估计对比不同规模的商业银行在面对第三方支付冲击时的反应程度。实证结果显示,不同规模的商业银行不同方面的经营能力受第三方支付的影响程度不同,但在面对互联网金融的冲击时都能根据自身优势提高自身能力。最后本文根据实证结果联系实际情况提出相关建议。
The boom of the internet finance has had a substantial impact on commercial banks.Focusing on third party payment,this paper studies the random-effect with varying coefficient by regression analysis method based on panel data model,and then further estimates the individual effect to contrast the reaction degree of commercial banks of different scales in the face of third party payment impact.The empirical study shows that the impact on commercial banks varies with the scale of the bank and in different aspects of the bank’s operating ability.Even so,in the face of the impact of the internet finance,commercial banks of all kinds can improve their ability according to their own strength.At the end,the paper puts forward some recommendations based on the empirical study findings.
作者
王纯
WANG Chun(Anhui University of Finance Economics, Bengbu, Anhui, 233000, Chin)
出处
《武汉商学院学报》
2018年第1期52-56,共5页
Journal of Wuhan Business University
基金
国家自然科学基金<制度逻辑
包容性领导与企业成长战略的形成与作用机制研究>(项目编号:71472001)
关键词
第三方支付
商业银行
面板数据模型
个体效应
third party payment
commercial banks
panel data model
individual effect
