摘要
近年来,互联网金融的发展势不可挡,对商业银行形成了较大挑战。本文首先利用主成分分析法对商业银行创新能力的综合指标进行合成,然后选取2010-2017年的数据实证检验互联网金融对商业银行创新能力产生的影响。结果表明:互联网金融在从无到有的发展过程中,对商业银行的创新能力产生积极影响;互联网金融发展规模对商业银行创新能力有消极影响;从长期发展来看,互联网金融的发展规模对商业银行创新能力的影响会更加严重。
In recent years,the development trend of internet finance is overwhelmingly fast,which has caused great impact on commercial banks.In this paper,the principal component analysis method was used to synthesize the comprehensive indicators of commercial banks'innovation ability,and then the data from 2010 to 2017 was selected to test the impact of internet finance on innovation ability of commercial banks.The results showed internet finance has imposed positive influence on the innovation ability of commercial banks.Whereas,the development scale of internet finance has a negative impact on the innovation ability of commercial banks.In terms of the long-term development,the development scale of Internet finance will have a more serious impact on the innovation ability of commercial banks.
作者
范志国
林德发
FAN Zhiguo;LIN Defa(Tian Jin University of Commerce,Tian Jin 300134)
出处
《西部金融》
2019年第6期9-15,29,共8页
West China Finance
关键词
互联网金融
商业银行
创新能力
Internet finance
commercial bank
innovation ability
