金融科技对我国商业银行盈利能力的实证研究
An Empirical Study on Financial Technology’s Profitability of My Country’s Commercial Banks

伴随着科技革命和产业变革，金融科技异军突起，第三方支付、p2p等新型金融科技模式的出现给我国传统商业银行带来了不小的冲击，尤其是对我国商业银行的盈利能力产生了很大的影响。传统商业银行在积极应对外来冲击，找寻提高盈利能力方法的过程中，逐渐开始顺应潮流，发展金融科技，企图利用大数据、区块链、云计算、人工智能等新兴技术达到提高商业银行盈利能力与竞争力的目的。本文剖析了金融科技对我国商业银行的盈利能力的影响，在对比了金融科技与互联网金融、科技金融的基础上，阐述金融科技在目前我国商业银行中的发展现状，对金融科技影响我国商业银行盈利能力的机制进行分析。然后通过文本挖掘法和因子分析法构建金融科技指数，在此基础上以我国33家商业银行2008~2018年的面板数据建立模型，提出假设，通过系统GMM方法验证假设，最终分析金融科技对我国商业银行盈利能力的影响，并结合分析提出金融科技的发展建议。
Along with the technological revolution and industrial transformation, the emergence of financial technology has emerged. The emergence of new financial technology models such as third-party payment and p2p has brought great impact to China’s traditional commercial banks, especially the profitability of China’s commercial banks. In the process of actively responding to external shocks and searching for ways to improve profitability, traditional commercial banks gradually began to adapt to the trend and develop financial technology in an attempt to use emerging technologies such as big data, blockchain, cloud computing, artificial intelligence, etc. to improve the profitability of commercial banks With the purpose of competitiveness. This article analyzes the impact of fintech on the profitability of China’s commercial banks. On the basis of comparing fintech with In-ternet finance and technology finance, it elaborates on the development status of fintech in China’s current commercial banks and its impact on China’s commercial banks. Analyze the mechanism of financial technology affecting the profitability of my country’s commercial banks. Then build a fintech index through text mining and factor analysis, based on the panel data of 33 commercial banks in China from 2008 to 2018, put forward a hypothesis, verify the hypothesis through the sys-tematic GMM method, and finally analyze the financial technology to China. The impact of the prof-itability of commercial banks, combined with analysis, puts forward financial technology develop-ment recommendations.