互联网金融与传统金融的关系研究——基于网上银行的实证研究

摘要

互联网金融的蓬勃发展引发了对互联网金融替代传统金融的关切.选取中国主要的101家商业银行为样本,使用面板数据OLS的方法,从网上银行与传统银行的角度研究了互联网金融与传统金融间的关系.研究结果表明:互联网技术引入传统金融机构两年之后,可以提升传统金融机构的盈利能力;互联网金融与传统金融之间是互补而非替代关系.%The rapid development of internet finance has caused concerns that whether the Internet finance can substitute the traditional finance.In this paper,we chose 101 banks of China,which include all five state-owned commercial banks,ten of twelve joint-stock commercial banks,72 city commercial banks and 14 rural commercial banks,these banks covered almost all the important banks of China.Then we discussed the relationship between online-bank adoption and the performance of business bank of China by using empirical method of OLS.We found that the impact on performance of adoption of the Internet takes two years to appear,and the Internet channel serve as complementary means rather than a substitute for physical branches.