摘要
本文运用文本挖掘方法构建银行金融科技发展指标,基于2011-2020年469家商业银行面板数据,研究金融科技发展与银行提质增效的多维关系。研究表明:银行发展金融科技,通过提升金融服务能力和经营管理水平增加经营效益,提升信贷风险管控水平优化银行成本效率,从而实现银行提质增效。通过异质性分析发现,银行金融科技对大型银行营业收入和经营成本的影响略为迟缓,但是大型银行运用金融科技优化经营绩效的整体效果更为突出。
Based on the panel data from 469 commercial banks during 2011-2020,this paper uses text mining methods to construct indicators for the development of bank fintech and studies the multidimensional relationship between fintech development and bank quality and efficiency improvement.The research shows that the development of fintech by banks can enhance their financial service capabilities and management to increase operational efficiency,improve credit risk control levels to optimize the cost and efficiency,and ultimately achieve bank quality and efficiency improvement.The heterogeneity analysis shows that the impact of bank fintech on the revenue and operating costs of large banks is slightly delayed,but the overall effect of fintech on optimizing operational performance is more prominent in large banks.
作者
朱小能
李雄一
ZHU Xiao-neng;LI Xiong-yi
出处
《金融论坛》
CSSCI
北大核心
2024年第1期25-34,共10页
Finance Forum
基金
国家社会科学基金重大项目(20&ZD102)
上海市高峰学科创新团队项目(2018110262)
上海财经大学创新团队项目(2018110698)。
关键词
金融科技
提质增效
银行
数字化转型
文本挖掘
financial technology
improvement of quality and efficiency
bank
digital transformation
text mining method
