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Empirical Research on the Impact of Internet Finance on the Performance of Top Five Commercial Banks
DOI: 10.12677/FIN.2021.114033, PDF, HTML, XML, 下载: 197  浏览: 474

Abstract: Since the rose of Internet finance, it has rapidly grown in the world and opened a new chapter in the financial industry. In recent years, it has brought great challenges to China’s traditional banking industry. This article selects five major commercial Banks in China carries on the quantitative analysis as the research object, uses online banking and third-party payment to represent the two major aspects of the impact of Internet finance on the five major commercial banks, selects the bank financial data of 2011 ~ 2019, online banking transaction data and the third-party payment in each of the data to construct a fixed scale benefit model of regression analysis, it is concluded that the third party pay scale and scale of China’s five major commercial banks online banking transac-tions of commercial Banks business performance have positive influence on the conclusion. Finally, it gives some suggestion of China’s five major commercial Banks about how to deal with the Internet financial according to the conclusion.

1. 绪论

2. 文献综述

3. 研究方法

3.1. 变量设定

3.1.1. 被解释变量的选取

3.1.2. 解释变量的选取

3.1.3. 控制变量的选取

3.2. 模型的设定

$RO{E}_{it}=\alpha +{\beta }_{1}LNT{P}_{t}+{\beta }_{2}LNIB{P}_{it}+{\beta }_{3}CA{R}_{it}+{\beta }_{4}CB{N}_{it}+{\beta }_{5}N{M}_{it}+{\beta }_{6}LNGD{P}_{t}+\epsilon$ (1)

4. 实证分析

4.1. 描述性分析

Table 1. The descriptive statistical results of sample data

4.2. 相关性分析

Table 2. Correlation matrix

4.3. 单位根检验

Table 3. Unit root test results

4.4. F检验

$F=\frac{\left(SS{E}_{r}-SS{E}_{f}\right)/\left(N-1\right)}{SS{E}_{f}/\left(NT-N-K\right)}~F\left(N-1,\text{\hspace{0.17em}}NT-N-K\right)$ (2)

$F=23.474>{F}_{0.05}\left(4,35\right)=2.63$ (3)

4.5. 豪斯曼检验

4.6. 回归分析

Figure 1. Regression result 1

Figure 2. Regression result 2

$ROE=-0.021703+0.012457DLnTP+0.012614DLnIBP+0.564623NM-3.68893CBN$ (4)

5. 结论和建议

5.1. 加大创新，转变经营理念

5.2. 引进先进人才

5.3. 发挥自身优势

5.4. 与互联网公司进行合作，实现互利共赢

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