金融科技下商业银行经营绩效影响研究——基于我国15家商业银行

Research on the Impact of Business Performance of Commercial Banks in Financial Technology--Based on 15 commercial banks in our country

金融科技在最近几年发展迅速,商业银行的经营绩效也可能受到影响。选取15家商业银行2016Q1-2019Q3的数据作为研究样本,将金融科技指标作为宏观变量,分析其对商业银行经营绩效的影响。研究表明,商业银行的经营绩效并不受金融科技的影响,主要受内部因素影响。

Financial technology has developed rapidly in recent years,and the operating performance of commercial banks may also be affected.Data of 15 commercial banks Q1-2019Q3 2016 were selected as the research sample,and the financial science and technology index was taken as the macro variable to analyze its influence on the operating performance of commercial banks.The research shows that the operating performance of commercial banks is not affected by financial technology,mainly by internal factors.