金融科技背景下我国商业银行经营效率研究

Research on the Operating Efficiency of China's Commercial Banks under the Background of Financial Technology

近年来我国金融科技发展迅速,2017年我国从互联网金融时代过渡到金融科技3. 0时代,我国经济环境发生巨大转变。作为我国金融业重要支柱的银行业,面临金融科技带来的巨大冲击,其经营效率值得深思。在此背景下,以我国16家上市商业银行为研究对象,收集2011-2017年相关数据,运用Malmquist指数模型测算该时期银行各效率指标,并根据计算结果对金融科技与银行之间影响关系进行探讨。

In recent years, China＇ s financial technology has developed rapidly. In 2017, China＇ s transition from the Intenaet finance era to the financial technology 3.0 era. And China＇ s economic environment has undergone a tremendous transformation. As an important pillar of China＇ s financial industry, the banking industry is facing a huge impact from financial science and technology, and its operating efficiency is worth pondering. In this context, this paper takes 16 listed commercial banks in China as the research object, collects the relevant data from 2011 to 2017, uses the Malmquist index model to measure the efficiency indicators of the bank during the period, and dis- cusses the impact of financial science and technology on banks based on the calculation results.