互联网金融对商业银行运行效率影响与对策研究

摘要

互联网金融的大部分研究，主要停留在对其模式的界定及对银行影响的定性分析上，很少有文献能够将研究深入到互联网金融对银行发展的实质中去。文中从理论分析出发，在利用 DEA 方法测度出11家上市商业银行运行效率的基础上，实证分析了互联网金融对银行综合效率、规模效率及纯技术效率的影响。结果表明，互联网金融对银行综合效率、纯技术效率有正面影响，且对国有银行影响大于股份制银行；对银行业整体规模效率有负面影响，但对国有银行和股份制银行有正面影响。在实证基础上，对互联网金融发展的未来趋势进行了研判，并提出银行的应对策略建议。%Most researches on the Internet finance were about model definitions and qualitative analy-sis,and few have given an incisive analysis of its substantial influences on banks.Based on theoretical studies and empirical researches on 1 1 listed banks'operation efficiency with DEA method,the paper discusses the Internet finance's impacts on these banks'integrated efficiency,scale efficiency and pure technical efficiency.The results go as follows:As for banks'integrated efficiency and pure technical efficiency,the Internet finance has positive impacts,more on the state-owned ones than on the joint-stock ones.Meanwhile,negative impacts are on their overall scale efficiency,in spite of its positive influence on the state-owned and joint-stock ones.With this,it foretells the development tendency of the Internet finance and proposes some suggestions.