互联网金融对商业银行盈利的影响研究

摘要

This article uses 143 Chinese commercial banks' data from 2003 to 2014 to test the effect of Internet finance development on commercial banks' profit. The results show that Internet finance development reduces commercial banks' profitability significantly and the effect on city commercial banks is bigger than that on large banks and rural commercial banks. Joint stock commercial banks can seize the Internet financial opportunities and enhance their profitability. Internet finance development positively effects the commercial banks' especially those joint⁃stock banks' non⁃interest income and profit diversification. In a word, although the development of the Internet finance puts adverse effects on commercial banks' profitability, it also urges them to adjust the profit model and transform the single mode to the diversified one.%运用中国2003－2014年145家商业银行的数据，实证检验了互联网金融发展对商业银行盈利的影响。研究表明，互联网金融发展显著降低了商业银行的盈利能力，且对城市商业银行影响较大，对大型商业银行和农村商业银行影响较小，股份制商业银行因为能够抓住互联网金融机遇，盈利能力反而得到提升；互联网金融发展对商业银行非利息收入占比、盈利多元化水平的提升具有显著的正效应，对股份制商业银行的作用尤为突出。总之，互联网金融的发展虽然给商业银行盈利能力带来了不利影响，但也倒逼其积极调整盈利模式，推动盈利结构向多元化发展。