ETW  >> Vol. 7 No. 2 (June 2017)

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

  • 全文下载: PDF(412KB) HTML   XML   PP.30-35   DOI: 10.12677/ETW.2017.72005  
  • 下载量: 1,435  浏览量: 3,541  


陈建勇,蓝裕平:北京师范大学珠海分校国际商学部,广东 珠海

互联网金融商业银行盈利实证研究Internet Finance Commercial Bank Profitability Empirical Study



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.

陈建勇, 蓝裕平. 互联网金融对商业银行盈利影响的实证研究[J]. 财富涌现与流转, 2017, 7(2): 30-35.


[1] 杨芬. 互联网金融对商业银行盈利能力及风险影响的实证研究[D]: [硕士学位论文]. 长沙: 湖南大学, 2016.
[2] 郭品, 沈悦. 互联网金融对商业银行风险承担的影响:理论解读与实证检验[J]. 财贸经济, 2015(10): 112-114.
[3] Shahrokhi, M. (2013) E-Finance: Status, Innovations, Resources and Future Challenges. Managerial Finance, 34, 365- 398.
[4] Ali Khan, M.N.A. and Ismail, N.A. (2012) An Empirical Study on the Indexes of Internet Financial Reporting: The Case of Malaysia. African Journal of Business Management, 6, 2086-2100.
[5] Berger, S.C. and Gleisner, F. (2009) Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending. Business Research Journal, 2, 39-65.
[6] Giannakoudi, S. (2010) Internet Banking: The Digital Voyage of Banking and Money in Cyberspace. Infor-mation & Communications Technology Law, 8, 205-243.
[7] Mawutor, J.K.M. (2015) Impact of E-Banking on the Profitability of Banks in Ghana. Research Journal of Finance and Accounting, 5, 55-56.