互联网金融对商业银行盈利影响的实证研究

Empirical Study on the Relationship between Internet Finance and Commercial Banks’ Profitability

摘要: 本文以2006至2016年间16家中国上市商业银行的年报数据为基础，使用了面板数据回归法对互联网金融和商业银行盈利的相关性进行了实证研究。得到出的结论是互联网金融的规模与商业银行的盈利水平之间有显著的正相关性，且互联网金融显著提高了商业银行的风险水平。文末建议商业银行应增加对互联网金融技术研发的投入和互联网金融人才的招聘。

Abstract: This paper adopted panel data regression technique, 16 listed commercial banks in China from 2006 to 2016 were analyzed. It proves that internet finance has significant positive relationship with the profitability of listed commercial banks. Moreover, internet finance increased the total risk level of commercial banks significantly. It is recommended that commercial banks should increase investments both in the field of internet finance R & D and related human resource.