摘要
本文考察数字金融对银行效率的影响机制以及银行竞争在其中的调节作用,发现数字金融通过银行资产业务端、负债业务端和中间业务端三个中介渠道影响银行效率,并利用中介效应模型进行了实证检验。研究发现:数字金融在资产业务端和中间业务端通过中介效应提高了银行效率,在负债业务端由于遮掩效应降低了银行效率,但总体上数字金融对我国城市商业银行效率仍是正向促进作用。同时,还发现银行竞争程度越高,数字金融对我国城市商业银行效率的促进作用就越强。本文的研究对于中小商业银行如何应对金融科技带来的挑战,实现业务转型具有积极的现实启示意义。
This paper explores the influence mechanism of digital finance on bank efficiency and its adjustment effect of bank competition,proposes that the digital finance through bank assets business,liabilities business and intermediary business affects bank efficiency,and makes an empirical test by using the mediating effect model.The study shows that digital finance improves the efficiency of banks through the mediating effects in the asset business and intermediary business,and reduces the efficiency of banks due to the suppressing effect in the debt business.However,in general,digital finance still plays a positive role in promoting the efficiency of banks.At the same time,it is also found that the higher the competition degree of banks,the stronger the promotion effect of digital finance on the efficiency of city commercial banks.This paper provides practical reference for the middle and small-sized commercial banks to cope with the challenges brought by financial technology and recognize the importance of business transformation under the booming development trend of Fintech.
作者
刘刚
麦梓焕
廖政浩
梁伟
Liu Gang;Mai Zihuan;Liao Zhenghao;Liang Wei(School of Finance,Guangdong University of Finance and Economics)
出处
《金融发展评论》
2024年第2期18-33,共16页
Financial Development Review
关键词
数字金融
银行效率
银行竞争
中介效应
城市商业银行
Digital Finance
Bank Efficiency
Bank Competition
Mediating Effects
City Commercial Banks
