互联网金融对五大商业银行绩效影响的实证分析
Empirical Research on the Impact of Internet Finance on the Performance of Top Five Commercial Banks

互联网金融兴起后，迅速在全球发展壮大，开启了金融业的新篇章。近些年给中国传统的银行业带来了很大的挑战。本文选取中国五大商业银行作为研究对象进行定量分析，利用网银和第三方支付代表互联网金融对五大商业银行影响的两大方面。选取各个银行2011~2019的财务数据、网银交易数据以及各年第三方支付规模数据构建固定效益模型进行回归分析，得出第三方支付规模和商业银行网银交易规模对中国五大商业银行的经营绩效具有正向影响的结论，并就此结论对中国五大商业银行如何应对互联网金融提出一些相关建议。
Since the rose of Internet finance, it has rapidly grown in the world and opened a new chapter in the financial industry. In recent years, it has brought great challenges to China’s traditional banking industry. This article selects five major commercial Banks in China carries on the quantitative analysis as the research object, uses online banking and third-party payment to represent the two major aspects of the impact of Internet finance on the five major commercial banks, selects the bank financial data of 2011 ~ 2019, online banking transaction data and the third-party payment in each of the data to construct a fixed scale benefit model of regression analysis, it is concluded that the third party pay scale and scale of China’s five major commercial banks online banking transac-tions of commercial Banks business performance have positive influence on the conclusion. Finally, it gives some suggestion of China’s five major commercial Banks about how to deal with the Internet financial according to the conclusion.