互联网金融对城市商业银行盈利影响研究——基于上市城商行的实证分析

Research on the Impact of Internet Finance on the Profit of City Commercial Banks——Empirical analysis based on listed city commercial banks

互联网金融迅速崛起,使我国商业银行面临巨大挑战,尤其是相对弱势的城市商业银行。依据我国16家上市(上证)城商行2011—2018年的数据,结合百度指数,使用主成分分析法构建互联网金融指数,继而通过面板数据回归分析互联网金融对我国城市商业银行盈利的影响。研究表明我国互联网金融的发展与我国城商行的盈利呈现出微弱负相关关系,对我国城商行盈利造成一定程度的影响,然后通过具体分析其影响渠道来对我国城商行效益的提升和发展提出可行建议。

With the rapid rise of Internet finance,China's commercial banks are facing enormous challenges,especially the relatively weak urban commercial banks.Based on the data of 16 listed(Shanghai)city commercial banks in China from 2011 to 2018 and Baidu index,this paper uses principal component analysis to construct the Internet financial index,and then uses panel data regression to analyze the impact of Internet Finance on the profitability of urban commercial banks in China.The research shows that the development of Internet Finance in China has a weak negative correlation with the profits of city commercial banks,which has a certain impact on the profits of city commercial banks in China.Then,through specific analysis of its impact channels,the paper puts forward feasible suggestions for the improvement and development of the benefits of city commercial banks in China.