摘要
从金融结构转变的角度入手,基于WIND数据库等2013—2015年102家相关金融机构的季度数据进行面板数据统计分析,并结合运用DEAP 2.1对相关金融机构的综合效率以及技术效率评估值,对互联网金融发展与银行业综合效率的关系进行了研究。结论认为:现阶段,互联网金融发展能促进传统银行业与之竞争并提升银行业综合效率;互联网金融发展与银行业效率的关系并不是简单的线性关系,而是呈现倒U型,在一定的发展范围之内,互联网金融能在一定程度上提升银行业综合效率,但其盲目过度发展也会对银行业效率产生副作用。最后针对结论给出了相关建议。
Based on the panel data statistical analysis on 102 related financial institutions’quarterly data from 2013 to 2015 in Wind Database, the author made a research on the relationship between the internet financing development and comprehensive efficiency of banking industry by taking the perspective of financial structure transition and using of DEAP 2.1’s evaluation value on comprehensive efficiency of related financial institutions and technology efficiency. The conclusion is as follows. The internet financing development can promote the traditional banking industry’s competition and improve the comprehensive efficiency of banking industry. It is not the simple linear relationship between the internet financing development and efficiency of banking industry, it was the inverted U-shape. The internet financing can improve the comprehensive efficiency of banking industry in some degree within a certain range of development. However, the blind over-development can take the negative effect on efficiency of banking industry. At last some advises were given.
出处
《金融理论与实践》
北大核心
2016年第11期13-21,共9页
Financial Theory and Practice
关键词
互联网金融
银行业效率
倒U型
金融结构转变
internet financing
efficiency of banking industry
inverted U- shape
financial structure transition
