金融科技对商业银行盈利能力影响研究

金融科技对商业银行盈利能力的影响研究摘要当前，随着金融科技的发展，我们进入了金融科技3.0时代。由于大数据、人工智能、区块链等新兴技术的发展，金融科技公司对商业银行的存贷款业务、支付结算以及理财业务产生了很大的影响，导致商业银行盈利能力的下降。在这种情况下我国的商业银行只能跟随科技的发展步伐，主动借用云计算、AI等金融科技，抓住金融科技带来的机遇。本文综合地结合了定量分析与定性分析，基于我国16家商业银行2012-2019年的统计数据，研究了金融科技对我国商业银行盈利能力的综合影响，通过建立面板数据模型对其进行了实证研究。最后综合总结实证结果与对现状的深入研究，本文主要提出了当前金融科技发展背景下应当如何提高我国商业银行盈利能力的具体对策和建议。本文研究成果主要体现为以下三点：(1)在金融科技发展初期，金融科技对商业银行支付清算、融资和信贷等业务都造成了冲击，降低了商业银行的盈利能力。(2)在后期金融科技对提高商业银行的盈利能力具有积极的促进作用，商业银行逐渐重视金融科技，加大了对于金融科技这一领域的投入，逐步运用金融科技提高其盈利能力。因而，在现阶段，金融科技对商业银行的盈利能力的正向影响，超过了负向影响。(3)金融科技的发展对不同类型商业银行盈利能力的影响程度不同。根据实证研究结果显示，金融科技对城市商业银行的影响最大，其次是股份制商业银行，再次是国有控股商业银行影响最小。金融科技在其发展的过程中对商业银行也产生了一定的冲击，但是从长远来看，商业银行将积极地进行调整，通过改善客户体验、创新金融产品以及实现业务转型升级的方式不断提高竞争力。关键词：金融科技：商业银行：盈利能力：实证研究Research on the impact of financial technology on profitabilityof commercial banksAbstractAt present,with the development of financial technology,we have entered theera of financial technology 3.0.Due to the development of emerging technologiessuch as big data,artificial intelligence and blockchain,financial technologycompanies have a great impact on the deposit and loan business,payment andsettlement business and wealth management business of commercial banks,resultingin the decline of commercial banks'profitability.In this case,China's commercialbanks can only follow the pace of technological development,actively borrowfinancial technologies such as cloud computing and Al,and seize the opportunitiesbrought by financial technologies.Based on the statistical data of 16 commercialbanks in China from 2012 to 2019,this paper comprehensively combines quantitativeanalysis and qualitative analysis,studies the comprehensive impact of financialtechnology on the profitability of commercial banks in China,and makes an empiricalstudy by establishing a panel data model.Finally,summarizing the empirical resultsand in-depth study of the current situation,this paper mainly puts forward specificcountermeasures and suggestions on how to improve the profitability of China'scommercial banks under the current financial technology development background.The research results of this paper are mainly reflected in the following threepoints:(1)In the early stage of the development of financial technology,financialtechnology has impacted the payment and settlement,financing and credit business ofcommercial banks,and reduced the profitability of commercial banks.(2)In the laterperiod,financial technology played a positive role in promoting the profitability ofcommercial banks.Commercial banks gradually attached importance to financialtechnology,increased their investment in this field,and gradually applied financialtechnology to improve their profitability.Therefore,at the present stage,the positiveimpact of financial technology on the profitability of commercial banks exceeds thenegative impact.(3)The development of financial technology has different impactson the profitability of different types of commercial banks.According to the empiricalresearch results,financial technology h