金融科技对我国商业银行效率影响的实证分析——基于DEA-Tobit模型

An Empirical Analysis of the Impact of Financial Technology on the Efficiency of China’s Commercial Banks—Based on DEA-Tobit Model

摘要: 金融科技的蓬勃发展给中国商业银行带来了不可估量的影响。本文首先利用2011~2020年15家中国商业银行面板数据，采用DEA-BCC模型对商业银行的综合技术、纯技术和规模效率进行测度；其次，用北京大学编制的数字普惠金融指数衡量我国金融科技的发展水平，运用Tobit模型分析金融科技的发展对我国商业银行效率的影响，并依据我国商业银行股权结构的不同进行分样本回归；最后，为了充分发挥金融科技对我国商业银行发展带来的积极作用，根据实证结果并结合商行各自特点提出对策建议。

Abstract: The vigorous development of financial technology has brought immeasurable impact to China’s commercial banks. Firstly, using the panel data of 15 Chinese commercial banks from 2011 to 2020, this paper uses DEA-BCC model to measure the comprehensive technology, pure technology and scale efficiency of commercial banks; secondly, the digital inclusive financial index compiled by Pe-king University is used to measure the development level of China’s financial technology, the Tobit model is used to analyze the impact of the development of financial technology on the efficiency of China’s commercial banks, and the sub sample regression is carried out according to the different ownership structure of China’s commercial banks; finally, in order to play the positive role of finan-cial technology in the development of China’s commercial banks, this paper puts forward measures and suggestions according to the empirical results and combined with the respective characteristics of commercial banks.