摘要
文章选取2011—2020年中国42家上市银行的经营数据和北京大学数字金融研究中心编制的数字金融普惠指数,通过构建固定效应模型实证分析中国数字金融发展对商业银行利息净收入的相关影响。同时,文章通过搭建中介效应模型,从商业银行存贷款规模、存贷款定价、付息负债与计息资产的业务结构三个层面分析数字金融对商业银行利息净收入的影响路径。研究发现,数字金融的发展对商业银行的利息净收入具有负面影响。同时,数字金融的发展通过降低存款规模、降低贷款利率以及降低付息负债中存款占比三种影响路径降低银行利息净收入,并未通过降低贷款规模、提升存款利率和降低计息资产中贷款占比的方式对银行利息净收入产生负面影响。由此可知,中国商业银行应加快数字化转型的步伐,通过数字化转型促进业务数字化、丰富场景生态、优化业务流程,从而降低数字金融的发展对银行利息净收入的负面影响。
Based on the operating data of 42 listed banks in China from 2011 to 2020 and the digital financial inclusion index constructed by the digital finance research center of Peking University, this paper empirically analyzes the relevant impact of the development of digital finance on the net interest income of commercial banks by constructing a fixed-effect model. At the same time,this paper analyzes the impact path of digital finance on the net interest income of commercial banks from three levels: The scale of deposits and loans, the pricing of deposits and loans, the business structure of interest-paying liabilities and interest-bearing assets of commercial banks. The study proves that the development of digital finance has a negative impact on the net interest income of commercial banks. At the same time, the development of digital finance reduces the net interest income of banks by reducing the scale of deposits, reducing loan interest rates and reducing the proportion of deposits in interest-paying liabilities, and does not have a negative impact on banks’ net interest income by reducing the scale of loans, increasing deposit interest rates and reducing the proportion of loans in interest-bearing assets. It can be seen that China’s commercial banks should accelerate the pace of digital transformation, promote business digitization, enrich the scene ecology, and optimize business processes through digital transformation, so as to reduce the negative impact of the development of digital finance on the net interest income of banks.
作者
高洁琼
GAO Jie-qiong(Faculty of Applied Economics,University of Chinese Academy of Social Sciences,Beijing 101101,China)
出处
《技术经济与管理研究》
北大核心
2023年第2期73-78,共6页
Journal of Technical Economics & Management
