商业银行对互联网金融学习效应的异质研究

A Heterogeneous Study of Commercial Banks' Learning Effect from Internet Finance

在互联网金融发展的影响下,传统商业银行会产生对互联网金融的学习效应,但不同规模的商业银行,以及商业银行在不同业务领域对互联网金融的学习效应是否存在异质性?本文利用16家A股上市银行的样本数据,采用面板数据分析方法对商业银行对互联金融学习效应的异质性进行检验。研究发现:规模大小不同的商业银行在不同业务领域产生的学习效应有明显异质现象;在资产业务、负债业务和中间业务领域,规模类型不同的商业银行对互联网金融产生的学习效应同样存在异质性。要推动传统商业银行与互联网金融的融合发展,不同规模的商业银行在不同业务领域应各有侧重发展。

Under the influence of the development of Internet finance,traditional commercial banks will be faced by a learning effect from Internet finance.However,there is a heterogeneity in the learning effects in commercial banks of different sizes and in different business areas in the banks.This paper uses the sample data of16A-share listed banks to test the heterogeneity of commercial banks'learning effects from Internet finance.The study finds that the learning effects of commercial banks and of different sizes and in different business areas of the banks are obviously heterogeneous.In the asset business,liability business and intermediary business,the learning effect of commercial banks with different sizes and types from Internet finance is also heterogeneous.To promote the integration and development of internet finance,traditional commercial banks of different scales should focus on different developments in different business areas.