摘要
基于银行经营重心服务化的转变改进参数前沿方法,利用2007~2017年的数据测算银行效率,并研究了网上银行的双重性质,即企业侧的创新和消费者侧的共同参与对银行效率的影响,实证结果表明:当前基于服务为产出测算的银行效率略低于基于存贷款为产出测算的银行效率,但前者正在迅速接近后者;网上银行创新和消费者参与对银行效率具有显著的正向影响,且此种影响力已经逐渐超越了传统的银行创新和基于实体渠道的消费者参与;网上银行两方面因素(创新和消费者参与)对银行的相对影响力正随时间发生变化,消费者参与占据越来越主要的位置。建议银行从提升技术水平和吸引消费者参与两条路径同时发力发展网上银行业务。
The frontier approach of parameters has been improved based on the service-oriented transformation of banks’ business focus. The data of the top 58 Chinese banks in assets rankings from 2007 to 2017 are used to measure bank efficiency and to investigate the dual nature of online banking,namely,the effects of innovation from both the enterprise and from consumer participation on bank efficiency. Empirical results show that the current bank efficiency measured on the basis of service as the output is slightly lower than the efficiency measured based on deposits and loans as outputs,although the former is rapidly closing the gap with the latter. Online banking innovation and consumer participation have a significant positive impact on bank efficiency,and this influence has gradually surpassed conventional bank innovation and consumer participation through physical channels. The relative influence on banks of the dual facets of online banking( innovation and consumer participation) is changing over time,with consumer participation taking an increasingly dominant position. It is recommended that banks develop their online banking business by taking the two-pronged approach of improving their technology and attracting the participation of consumers.
作者
唐元懋
李一鸣
梁玮佳
Tang Yuanmao;Li Yiming;Liang Weijia(Sun Yat - sen University Business School,Guangzhou ,Guangdong 510275 ,China;Guangzhou Rural Commercial Bank Postdoctoral Workstation,Guangzhou,Guangdong 510600,China;School of Business Administration,Southwestern University of Finance and Economics,Chengdu,Sichuan 610074,China;Shenzhen Stock Exchange Postdoctoral Workstation ,Shenzhen ,Guangdong 518010,China)
出处
《金融经济学研究》
CSSCI
北大核心
2019年第4期82-97,共16页
Financial Economics Research
关键词
银行效率
银行创新
消费者参与
网上银行
bank efficiency
bank innovation
consumer participation
online banking
