金融科技对我国上市商业银行盈利能力的影响研究

Research on the Impact of Fintech on the Profitability of Listed Commercial Banks in China

近年来,金融科技在我国的发展势头迅猛,作为金融创新的一种,从一定程度上为商业银行提供了盈利增长点,但同时,对于商业银行的盈利能力或产生一定的冲击。在新环境中,我国上市商业银行的盈利能力受到怎样的影响成为众学者关注的焦点。基于2011—2018年我国28家上市商业银行的财务数据和有关的宏观经济数据,结合我国商业银行的特点,并借鉴已有文献对于金融科技对商业银行盈利能力的影响机制的相关研究,本文利用面板模型进行实证研究得出结论:金融科技在短期内会降低我国上市商业银行的整体盈利能力。最后结合我国商业银行特征,为其应对未来发展趋势提出了三点具有可行性的建议。

In recent years, as a kind of financial innovation, fintech has developed rapidly in China, which provides a profit growth point for commercial banks to some extent. However, at the same time, it has hit the profitability of commercial banks. In the new environment, how the profitability of listed commercial banks in China is affected has become the focus of many scholars. Based on the financial data and relevant macroeconomic data of 28 listed commercial banks in China from 2011 to 2018, combining with the characteristics of commercial banks in China, and referring to the relevant research on the influence mechanism of fintech on the profitability of commercial banks, this paper uses the panel model and makes empirical research. It is concluded that in the short term, fintech will reduce the overall profitability of listed commercial banks in China. Finally, combined with the characteristics of commercial banks in China, this paper puts forward three feasible suggestions regarding to the future development trend.