摘要
对相关研究文献作了述评,分析金融脱媒产生的原因,在选择经济增加值作为商业银行绩效考核指标的基础上,以我国16家上市商业银行2008—2014年的数据为样本,构建模型实证研究金融脱媒对我国商业银行绩效的影响。研究发现:金融脱媒对商业银行的经营绩效有着显著的正相关关系,存在着"脱媒校正效应"。由此,提出商业银行可以实行多样化的经营方式进行业务创新、大力发展中间业务和利用互联网技术开展金融创新来应对金融脱媒带来的挑战等建议。
This paper theoretically analyzes the causes of financial disintermediation. On the basis of using added economic value as an evaluation method of commercial bank performance, the paper uses the data from 2008 to 2014 of our country＇s 16 listed banks as sample to study the effect of financial disintermediation on the performance of commercial banks. The study finds that financial disintermediation has a significant positive correlation on commercial banks＇ business performance. And commercial banks also have a ＂disintermediation correction effect＂. It argues that commercial banks can take diversified mode of operation to carry out business innovation, and develop intermediate business. And Internet can be used to carry out financial innovation to deal with the challenges of financial disintermediation.
出处
《莆田学院学报》
2016年第3期56-61,69,共7页
Journal of putian University
关键词
金融脱媒
商业银行
模型
脱媒校正
经营绩效
financial disintermediation
commercial banks
model
disintermediation correction
business performance
