金融科技应用与商业银行非利息收入——基于文本挖掘的实证检验

Application of Fintech and Non-interest Income of Commercial Banks:An Empirical Testing Based on Text Mining

选取44家上市商业银行为研究样本,运用文本挖掘法构建商业银行金融科技指数,分析金融科技应用对商业银行非利息收入规模和结构的影响,并检验作用机制和银行异质性效应。研究发现,金融科技应用能够显著提高商业银行的非利息收入,降低银行风险水平和提升运营效率在其中发挥机制作用;金融科技应用对股份制商业银行、国有商业银行、城市商业银行的非利息收入具有显著正向影响,对农村商业银行的非利息收入影响不显著;此外,资产规模大、资本充足率高的商业银行的非利息收入受到金融科技的提升作用更为显著。

Based on research samples of 44 listed commercial banks,this study uses text mining method to construct a bank fintech index,analyzes the impact of fintech application on the scale and structure of non-interest income of banks,and tests the mechanism of action and the heterogeneity effect.The results show that the application of financial technology has a significantly impact on non-interest income of commercial banks,reducing risk levels and improving operational efficiency play a mechanistic role in it.The application of financial technology has a significant positive impact on non-interest income of joint-stock banks,stateowned banks,and urban commercial banks,but has no significant impact on rural commercial banks.In addition,non-interest income of banks with large asset sizes and high capital adequacy ratios is more significantly enhanced by financial technology.