区块链技术引入对商业银行经营效率的影响

The Impact of the Introduction of Block Chain Technology on the Operating Efficiency of Commercial Banks

摘要: 自区块链技术纳入我国“十三五”规划蓝图后，其迅猛的发展势头引起了我国银行业的广泛关注与积极响应。多家银行不仅积极跟进区块链技术的最新动态，还深入探索其应用场景。学术界也积极进行探索研究，目前对区块链技术对商业银行经营效率影响的研究主要聚焦在案例分析中，对于区块链技术引入对经营效率影响的实证分析较少。本文在相关理论分析的基础上，选取中国上市商业银行2010年到2022年之间的数据，采用SAF方法测算商业银行的经营效率，在选取Blkc作为商业银行是否引进区块链的指标的基础上，还选取SCF作为商业银行是否提供供应链金融服务进行实证分析，分析结果表明：1) 引入区块链技术会促进商业银行的经营效率；2) 区块链技术引入对提供供应链金融服务的商业银行经营效率的促进作用更加明显。

Abstract: Since the blockchain technology was incorporated into China’s “13th Five-Year Plan” blueprint, its rapid development momentum has attracted widespread attention and positive response from China’s banking industry. Many banks have not only actively followed up on the latest developments in blockchain technology, but also explored its application scenarios. The academic community is also actively exploring and researching. At present, the research on the impact of blockchain technology on the operating efficiency of commercial banks mainly focuses on case analysis, and there are few empirical analyses on the impact of blockchain technology on operating efficiency. On the basis of relevant theoretical analysis, this paper selects the data of Chinese listed commercial banks from 2010 to 2022, uses the SAF method to measure the operating efficiency of commercial banks, based on the selection of Blkc as an indicator of whether commercial banks introduce blockchain or not, SCF was also selected as an empirical analysis of whether commercial banks provide supply chain financial services or not. The analysis results show that: 1) The introduction of blockchain technology will promote the operating efficiency of commercial banks; 2) The introduction of blockchain technology has a more obvious role in promoting the operating efficiency of commercial banks that provide supply chain financial services.