互联网金融对商业银行创新能力的影响

The Influence of The Internet Finance on the Innovation Ability of Commercial Banks

互联网金融的发展对传统商业银行来说既是挑战也是机遇,倒逼商业银行不断进行改革与创新。本文通过对我国16家上市商业银行2010-2017年数据的实证分析,得出互联网金融从整体上提高了我国商业银行的创新能力,但对不同类型的商业银行创新能力的影响不同。由此,建议商业银行充分利用自身优势、转变经营理念、加快业务调整来适应新的金融环境。

The development of internet finance has a great impact on commercial banks, forcing them to carry out reform and innovation. This paper theoretically discusses that internet finance can promote the innovation of commercial banks, and through the empirical analysis of the data of 16 listed commercial banks in China from 2010 to 2017, it is concluded that internet finance has significantly improved the innovation ability of commercial banks in China. But the impact on the innovation ability of different types of commercial banks is different, which has a negative impact on the innovation ability of state-owned commercial banks and a positive impact on the innovation ability of joint-stock commercial banks. Therefore, it is suggested that commercial banks should accelerate business adjustment and innovation to adapt to the new financial environment by combining internet finance thoughts.