摘要
研究目标:测度商业银行普惠金融发展水平,考察金融科技背景下普惠金融对商业银行盈利能力的影响。研究方法:从商业银行的视角出发,运用谢婼青和朱平芳(2020)综合指数构建方法从四个维度构建衡量商业银行普惠金融发展水平的综合评价指标体系,运用面板模型考察影响效应。研究发现:普惠金融发展水平的排名依次是国有银行、股份制商业银行和城市商业银行;普惠金融对商业银行盈利能力呈现"U"字形影响;随着商业银行加大信息科技投入强度,有效融合互联网、大数据信息技术,增强金融服务的覆盖面和体验,在发展普惠金融业务的同时打开商业银行的盈利空间。进一步讨论不同所有制下商业银行的影响效应后发现,股份制商业银行的普惠金融与金融科技的影响具有显著性,国有商业银行和城市商业银行有一定的政策性作用。研究创新:在完成商业银行普惠金融发展水平测度的基础上,探索普惠金融与商业银行盈利能力的金融排斥关系,并在金融科技的视角下,研究普惠金融对商业银行盈利能力的影响效应。研究价值:为我国发展普惠金融,推进金融供给侧结构性改革与强化金融服务功能提供新的研究视角,为商业银行提高盈利能力与金融科技发展水平提供经验证据。
Research Objectives:Measuring Inclusive Finance development of Chinese commercial banks,this paper examines the impact of Inclusive Finance on the profitability of commercial banks under the background of financial technology.Research Methods:From the perspective of commercial banks,using Xie Ruoqing and Zhu Pingfang(2020)composite index construction model,this paper constructs a comprehensive index system to measure the development level of Inclusive Finance from four dimensions.Then,this paper uses the panel model to examine the impact of Inclusive Finance and financial technology on the profitability of commercial banks.Research Findings:Firstly,it is concluded that the top of the list is the state-owned banks,the second is the joint-equity commercial banks and the third is the city commercial banks.Secondly,Inclusive Finance has a U-shaped effect on the profitability of commercial banks.As the major commercial banks increase the intensity of IT investment,effectively integrate the Internet and big data information technology,the profit space of commercial banks is opened.Finally,the paper further discusses the impact on the state-owned commercial banks,joint-stock commercial banks and city commercial banks.The impact of Inclusive Finance and financial technology on the joint-stock commercial banks is significant,but state-owned commercial banks and city commercial banks have a certain policy role.Research Innovations:Based on measuring the development level of Inclusive Finance of commercial banks,this paper explores the relationship between Inclusive Finance and profitability of commercial banks,and studies the impact of FinTech on Inclusive Finance and profitability.Research Value:It provides a new research perspective for China to develop Inclusive Finance,promote financial supply side structural reform,and strengthen financial service function.Also,it provides empirical evidence for commercial banks to improve profitability and FinTech development level.
作者
谢婼青
李世奇
张美星
Xie Ruoqing;Li Shiqi;Zhang Meixing(Research Center of Econometrics,Shanghai Academy of Social Sciences;Institute of Economics,Shanghai Academy of Social Sciences;Information Research Institute,Shanghai Academy of Social Sciences)
出处
《数量经济技术经济研究》
CSSCI
CSCD
北大核心
2021年第8期145-163,共19页
Journal of Quantitative & Technological Economics
基金
国家自然科学基金面上项目“非线性动态因子模型和函数型时间序列的前沿理论及其应用”(71773078)
国家自然科学基金青年项目“处理效应模型的非参数估计方法及其拓展应用”(71803134)
上海市哲学社会科学规划青年项目“‘十四五’期间上海提升科技创新策源功能的路径与对策研究”(2020EJB003)的资助。
