伴随席卷而来的金融科技浪潮，商业银行正在从被动接受向主动拥抱转变，无论从运营思想到服务理念、还是前台业务至后台技术，或获客模式等方面都在积极与科技创新融合。金融科技倒逼商业银行更新体系建设，助推商业银行运营模式改革，对其内部变革产生深远影响。本文通过分析16家商业银行的面板数据，选择实证模型，通过面板数据分析及其多元回归的方法，基于金融科技不断融合发展的背景，讨论互联网金融对商业银行绩效产生的影响，并对商业银行业务模式的创新进行了研究与分析。
With the wave of financial technology that has swept through, commercial banks are shifting from passive acceptance to active embrace. From the operational idea to the service concept, the front-end business to the back-end technology, or the customer-acceptance model, they are actively integrating with technological innovation. Financial technology has forced the construction of a commercial bank to update its system, boosting the reform of the commercial bank's operating model and having a profound impact on its internal changes. This paper analyzes the panel data of 16 commercial banks, selects the empirical model, and discusses the impact of Internet finance on the performance of commercial banks through panel data analysis and multiple regression methods. It is based on the background of financial technology integration and development, focusing on the background of financial technology under the research and innovation analysis of the commercial bank business model.
References
[1]
谢平, 邹传伟. 互联网金融模式研究[J]. 金融研究, 2012(12):11-22.
[2]
Saunders, A. (2015) Financial Markets, Institutions & Instruments. Topics in Financial Intermediation.
