我国商业银行互联网金融创新能力评价分析—以建设银行为例

Evaluation on the Internet Financial Innovation Ability of Chinese Commercial Banks—Based on the Analysis of CCB

摘要: 随着信息技术的发展，互联网金融创新成为我国商业银行改革的必经之路。本文以建设银行为典型样本对我国商业银行的互联网金融创新能力进行实证分析。首先，本文构建了由联网金融业务创新、科技应用创新、人力资源创新、风险管理创新等四大类指标组成的中国银行互联网金融创兴能力评价体系。其次，采用因子分析法对建设银行的互联网金融创新能力进行实证检验，并以工商银行和招商银行作为比较对象进行了分析。实证结果发现，建设银行的互联网金融创新综合能力与工商银行基本持平，并优于招商银行，但三家银行的四大分类指标表现各异。最后，本文提出我国商业银行应当从科技、人才、服务和产品以及风险管理四个方面来提高互联网金融创新能力。

Abstract: With the development of information technology, it is necessary for Chinese commercial banks to accelerate their internet financial innovation. In this paper, an evolution system including indexes on the innovation of internet financial business, technology application, human resources and risk management has been constructed to analyze the internet innovation ability of banking sector in China. Taking CCB as a representative sample and ICBC and CMB as comparison objects, the author empirically tests on the internet financial innovation ability of the above three banks by factor analysis. The results prove that the comprehensive internet financial innovation ability of CCB stays at the same level with that of ICBC but higher than that of CMB, but the three banks present outstanding performance on different indexes. Therefore, Chinese commercial banks should improve their Internet financial innovation ability in aspects such as technology development, talents cultivation, service and product improvement, together with risk management.