An Empirical Study on the Impact of Commercial Banks' Development of Fintech on Their
Operating Benefits
王立荣 WANG Li-rong;白金玉 BAI Jin-yu
(北京信息科技大学经济管理学院,北京100192)
(School of Economics and Management,Beijing Information Science and Technology University,Beijing 100192,China)
摘要:本文收集了13家上市商业银行2017-2020年相关指标数据,通过建立多元回归模型,分析了金融科技发展对商业银行经营效益的影响。结果显示,代表金融科技发展的四个指标,即电子银行交易占比、科技人员占比、金融科技投入以及手机银行用户占比,对净资产收益率均未产生正向影响,也就是说商业银行发展金融科技并没有带来预期的效果。
Abstract: This paper collected relevant index data of 13 listed commercial banks from 2017 to 2020, and analyzed the impact of fintech development on the operating benefits of commercial banks by establishing a multiple regression model.The results show that the four indicators representing the development of fintech, namely the proportion of electronic banking transactions, the proportion of scientific and technical personnel, the proportion of fintech investment and the proportion of mobile banking users, do not have a positive impact on ROE, that is to say, the development of fintech by commercial banks does not bring the expected effect.
关键词:金融科技;商业银行;经营效益
Key words: fintech;commercial banks;operating benefits
中图分类号:F832.33 文献标识码:A 文章编号:1006-4311(2022)23-020-03
DOI:10.3969/j.issn.1006-4311.2022.23.007.
文章出处:王立荣,白金玉. 商业银行发展金融科技对其经营效益影响的实证研究[J]. 价值工程,2022,41(23):20-22.
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