金融科技对区域性银行竞争力的影响研究

A Study of Impact of FinTech on Competitiveness of Regional Banks

区域性银行在我国商业银行体系中占据重要地位,但因地域受限、业务模式单一等原因面临发展动力不足的困境,而金融科技的应用可帮助其实现“弯道超车”。文章基于2013年—2020年部分上市区域性银行面板数据,运用网络爬虫技术和因子分析法,实证检验金融科技应用对提升区域性银行竞争力的影响。研究表明,金融科技应用能够提升区域性银行竞争力,且高区域创新水平会强化这一积极效应,但金融科技应用对提升银行竞争力的影响在不同类型的区域性银行间表现出一定的异质性。区域性银行可通过适度扩大规模、提高成长力和盈利水平,努力提升综合竞争力,同时还需提高科技应用程度以充分发挥金融科技对提升银行竞争力的积极效应。

As the main force serving small and medium-sized micro-enterprises,regional banks play an important role in China’s commercial banking system.However,due to the geographical constraints,a single business model,the development of regional banks power is relatively insufficient.In recent years,the rapid development of financial technology makes it possible for regional banks to enhance their competitiveness and realize“curve overtaking”.Based on the panel data of some listed region⁃al banks from 2013 to 2020,this paper constructs the financial technology application index and the competitiveness index of re⁃gional banks by using the web crawler technology and the factor analysis method,respectively,then empirically tests financial technology on the regional bank’s competitiveness of the positive effect.In this process,the high level of regional innovation can further strengthen this positive effect.The conclusion shows that regional banks should start from expanding the scale of banks moderately,improving the growth ability and profitability of banks to improve their overall competitiveness,and at the same time,enhance the application of technology,give full play to the positive effect of financial science and technology on competitiveness.