The analysis of electronic banking's impact on commercial bank performance

摘要

We built four regression models to analyze the impact of electronic banking on commercial bank performance, using respectively commercial bank's net profit, asset profit ratio, rate of return on capital, and nonperforming loan ratio as explained variable. The results prove that (1) electronic banking has a significant impact on each performance indicator of commercial bank; (2) the impact of e-bank market size on net profit of commercial bank is negative, while the increasing number of network users can increase net profit; (3) to scale up e-bank market is help to increase asset profit ratio and rate of return on capital of commercial bank; (4) To increase the number of network users is help to lower non-performing loan ratio.