第三方支付对我国商业银行流动性影响
The Impact of Third-Party Payment on Liquidity of Chinese Commercial Banks

第三方支付是互联网金融发展的重要一环，第三方支付的高速发展对消费者的消费习惯、我国金融体系的稳定以及传统商业银行都有着很大的影响。本文一共选择14家上市银行，包括大型国有制银行、股份制商业银行、城市商业银行和农村商业银行从2013年第二季度到2022年第四季度，共39个季度的存贷比、非利息收入比、成本收入比、资本充足率以及拨备覆盖率数据对其进行实证分析，实证结果显示第三方支付的发展对商业银行流动性水平有负面影响，且对不同类型的商业银行影响有所不同，对于不同类型的银行来说，第三方互联网支付的规模都对商业银行的存贷比有着正向影响，但其中对于大型国有商业银行来说这种正向作用并不明显，即第三方支付的发展对大型国有银行流动性的负面影响相对而言最小。
Third-party payment is an important part of the development of Internet finance. The rapid development of third-party payment has a great impact on consumers’ consumption habits, the stability of China’s financial system and traditional commercial banks. This paper selects 14 listed banks, including large state-owned banks, joint-stock commercial banks, urban commercial banks and rural commercial banks from the second quarter of 2013 to the fourth quarter of 2022, a total of 39 quarters of deposit-loan ratio, non-interest income ratio, cost-income ratio, capital adequacy ratio and provision coverage ratio data to conduct empirical analysis. The empirical results show that the development of third-party payment has a negative impact on the liquidity level of commercial banks, and the impact on different types of commercial banks is different. For different types of banks, the scale of third-party Internet payment has a positive impact on the deposit-loan ratio of commercial banks, but this positive effect is not obvious for large state-owned commercial banks, that is, the development of third-party payment has the least negative impact on the liquidity of large state-owned banks.