互联网金融发展对商业银行市场结构及绩效影响研究综述
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摘要
近年来,互联网金融凭借自身优势,对我国商业银行造成不小冲击,并使我国金融格局发生变化。从商业银行市场结构和绩效的角度,梳理国内外有关互联网金融对商业银行影响的研究现状和趋势方向。已有研究表明大多数国家的商业银行(包括我国的商业银行)多处于垄断竞争的市场结构,但随着互联网技术在金融业的应用和互联网金融的发展,商业银行间的竞争程度日益激烈。而且,互联网金融主要在存款、贷款、中间业务三方面影响商业银行的经营绩效和商业模式,不同类型的商业银行受互联网金融的影响截然不同。从整体上看,互联网金融对商业银行的运行效率是有正向作用的。就目前而言,互联网金融对商业银行的影响不断加深,寻找互联网金融和商业银行之间协调发展的方法,促进两者双向融合、互利共赢,是值得人们关注的问题。
In recent years,the development of internet finance with the advantages has had some great impacts on commercial banks and changed the financial structure in China. The article reviews the research status quo and tendency of impacts of internet finance on market structure and performance of commercial banks. The researches show that commercial banks in most countries(including commercial banks in China) have the market structure of monopolistic competition and the competition among the commercial banks has become increasingly fiercer with the application of internet technology to financial industry and the development of internet finance. Moreover,internet finance mainly has some impacts on business performance and business model of commercial banks in deposit,loan and intermediate business,and the impacts are entirely distinct in various kinds of commercial banks. The impacts of internet finance on efficiency of commercial banks are positive as a whole. At present,the impacts of internet finance on commercial banks have become increasingly greater and close attention has been paid to the exploration of harmonious development between internet finance and commercial banks to promote the two-way fusion,mutual benefit and win-win result.
In recent years,the development of internet finance with the advantages has had some great impacts on commercial banks and changed the financial structure in China. The article reviews the research status quo and tendency of impacts of internet finance on market structure and performance of commercial banks. The researches show that commercial banks in most countries(including commercial banks in China) have the market structure of monopolistic competition and the competition among the commercial banks has become increasingly fiercer with the application of internet technology to financial industry and the development of internet finance. Moreover,internet finance mainly has some impacts on business performance and business model of commercial banks in deposit,loan and intermediate business,and the impacts are entirely distinct in various kinds of commercial banks. The impacts of internet finance on efficiency of commercial banks are positive as a whole. At present,the impacts of internet finance on commercial banks have become increasingly greater and close attention has been paid to the exploration of harmonious development between internet finance and commercial banks to promote the two-way fusion,mutual benefit and win-win result.
引文
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[2]SINGH T,KAUR M.Internet banking:content analysis of selected Indian public and private sector banks’online portals[J].Journal of Internet Banking&Commerce,2012,17(1):2195-2208.
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[4]CHAMBERLIN E.The theory of monopolistic competition:a re-orientation of the theory of value[M].Cambridge:Harvard University Press,1933.
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[7]NEUMARK D,SHARPE S A.Market structure and the nature of price rigidity:evidence from the market for consumer deposits[J].The Quarterly Journal of Economics,1992,107(2):657-680.
[8]黄隽,李慧,徐俊杰.美国银行业市场结构分析[J].国际金融研究,2010(7):89-96.
[9]王国红.论中国银行业的市场结构[J].经济评论,2002(2):96-103.
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[16]郑霄鹏,刘文栋.互联网金融对商业银行的冲击及其对策[J].现代管理科学,2014(2):78-80.
[17]郑志来.互联网金融对我国商业银行的影响路径---基于“互联网+”对零售业的影响视角[J].财经科学,2015(5):34-43.
[18]郝身永,陈辉.互联网金融对传统商业银行的短期冲击与深远影响[J].上海行政学院学报,2015(2):96-104.
[19]ZASK E.The E-finance report[M].New York:Mc Graw-Hill Professional,2002.
[20]KUNDU A,SINGH J,AWASTHI A K.The online banking journey for commercial banks-many miles traveled,many miles still to go[J].Global Finance,2011,25(9):121-145.
[21]张晓芬,张羽.互联网金融的发展对商业银行的影响[J].兰州学刊,2013(12):137-141.
[22]张惠.互联网金融的侵蚀态势与商业银行应对策略研究[J].金融理论与实践,2014(5):106-110.
[23]赵芸淇.互联网金融对商业银行的影响与应对策略[J].对外经贸实务,2015(1):54-57.
[24]CHARNES A,COOPER W W,RHODES E.Measuring the efficiency of decision-making units[J].European Journal of Operational Research,1978,2(6):429-444.
[25]FARRELL M J.The measurement of productive efficiency[J].Journal of the Royal Statistical Society,1957,120(3):253-290.
[26]SHERMAN H D,GOLD F.Bank branch operating efficiency:evaluation with data envelopment analysis[J].Journal of Banking&Finance,1985,9(2):297-315.
[27]SAHA A,RAVISANKAR T S.Rating of Indian commercial banks:a DEA approach[J].European Journal of Operational Research,2000,124(1):187-203.
[28]SATHYE M.Efficiency of banks in a developing economy:the case of India[J].European Journal of Operational Research,2003,148(3):662-671.
[29]薛峰,杨德礼.评价银行经营与管理综合效益的DEA模型[J].数量经济技术经济研究,1998(5):63-66.
[30]熊正德,刘永辉,钟宝贵.基于CCA-DEA的商业银行绩效评价理论及其实证研究[J].当代财经,2008(2):60-64.
[31]林森.基于Sto NED方法的中国商业银行绩效研究[J].统计与决策,2009(7):123-125.
[32]杨淑萍,赵秀娟.基于层次分析模型的商业银行绩效评价[J].求索,2009(6):35-37.
[33]方长丰.关于商业银行绩效评价体系的实证研究[J].税务与经济,2011(4):33-38.
[34]上官飞,舒长江.基于因子分析的中国商业银行绩效评价[J].经济问题,2011(1):109-111.
[35]陈仲常,刘佳,林川.商业银行绩效评价体系及影响因素研究[J].工业工程,2011(3):20-24.
[36]李春雅,李礼.基于结构方程模型的我国商业银行市场绩效测评研究[J].求索,2014(4):62-65.
[37]徐菱潞.互联网金融对传统商业银行影响的实证研究[J].新疆社会科学,2015(4):27-31.
[38]王锦虹.互联网金融对商业银行盈利影响测度研究---基于测度指标体系的构建与分析[J].财经理论与实践,2015(1):7-12.
[39]郭品,沈悦.互联网金融加重了商业银行的风险承担吗?---来自中国银行业的经验证据[J].南开经济研究,2015(4):80-97.
[40]刘忠璐,林章悦.互联网金融对商业银行盈利的影响研究[J].北京社会科学,2016(9):61-72.
[41]黄锐,黄剑.互联网金融影响银行绩效吗?---基于98家商业银行的面板数据[J].南方金融,2016(1):55-60.
[42]管仁荣,张文松,杨朋君.互联网金融对商业银行运行效率影响与对策研究[J].云南师范大学学报(哲学社会科学版),2014(6):56-64.
[43]仓明,鞠玲玲,孟令杰.互联网金融对我国商业银行效率的影响研究[J].金融与经济,2016(6):62-65.
[2]SINGH T,KAUR M.Internet banking:content analysis of selected Indian public and private sector banks’online portals[J].Journal of Internet Banking&Commerce,2012,17(1):2195-2208.
[3]BANKS E.E-finance:the electronic revolution in financial services[M].Hoboken:John Wiley&Sons,2001.
[4]CHAMBERLIN E.The theory of monopolistic competition:a re-orientation of the theory of value[M].Cambridge:Harvard University Press,1933.
[5]BIKKER J A,HAAF K.Competition,concentration and their relationship:an empirical analysis of the banking industry[J].Journal of Banking&Finance,2002,26(11):2191-2214.
[6]HANNAN T H,BERGER A N.The rigidity of prices:evidence from the banking industry[J].American Economic Review,1991,81(4):938-945.
[7]NEUMARK D,SHARPE S A.Market structure and the nature of price rigidity:evidence from the market for consumer deposits[J].The Quarterly Journal of Economics,1992,107(2):657-680.
[8]黄隽,李慧,徐俊杰.美国银行业市场结构分析[J].国际金融研究,2010(7):89-96.
[9]王国红.论中国银行业的市场结构[J].经济评论,2002(2):96-103.
[10]国庆.我国商业银行市场结构分析及优化对策[J].长白学刊,2007(6):89-92.
[11]李一鸣,薛峰.我国商业银行市场结构现状分析及其优化研究[J].中国工业经济,2008(11):78-87.
[12]MALONE T W,Yates J,BENJAMIN R I.Electronic markets and electronic hierarchies[J].Communications of the Acm,1987,30(6):484-497.
[13]CLEMONS E K,ROW M C.Information technology and industrial cooperation[R].Hawaii International Conference on System Sciences,IEEE,1992:644-653.
[14]牛华勇,闵德寅.互联网金融对商业银行的影响机制研究---基于新实证产业组织视角[J].河北经贸大学学报,2015(3):66-71.
[15]CHIRCU A M,KAUFFMAN R J.Limits to value in electronic commerce-related IT investments[R].Hawaii International Conference on System Sciences,IEEE,2000.
[16]郑霄鹏,刘文栋.互联网金融对商业银行的冲击及其对策[J].现代管理科学,2014(2):78-80.
[17]郑志来.互联网金融对我国商业银行的影响路径---基于“互联网+”对零售业的影响视角[J].财经科学,2015(5):34-43.
[18]郝身永,陈辉.互联网金融对传统商业银行的短期冲击与深远影响[J].上海行政学院学报,2015(2):96-104.
[19]ZASK E.The E-finance report[M].New York:Mc Graw-Hill Professional,2002.
[20]KUNDU A,SINGH J,AWASTHI A K.The online banking journey for commercial banks-many miles traveled,many miles still to go[J].Global Finance,2011,25(9):121-145.
[21]张晓芬,张羽.互联网金融的发展对商业银行的影响[J].兰州学刊,2013(12):137-141.
[22]张惠.互联网金融的侵蚀态势与商业银行应对策略研究[J].金融理论与实践,2014(5):106-110.
[23]赵芸淇.互联网金融对商业银行的影响与应对策略[J].对外经贸实务,2015(1):54-57.
[24]CHARNES A,COOPER W W,RHODES E.Measuring the efficiency of decision-making units[J].European Journal of Operational Research,1978,2(6):429-444.
[25]FARRELL M J.The measurement of productive efficiency[J].Journal of the Royal Statistical Society,1957,120(3):253-290.
[26]SHERMAN H D,GOLD F.Bank branch operating efficiency:evaluation with data envelopment analysis[J].Journal of Banking&Finance,1985,9(2):297-315.
[27]SAHA A,RAVISANKAR T S.Rating of Indian commercial banks:a DEA approach[J].European Journal of Operational Research,2000,124(1):187-203.
[28]SATHYE M.Efficiency of banks in a developing economy:the case of India[J].European Journal of Operational Research,2003,148(3):662-671.
[29]薛峰,杨德礼.评价银行经营与管理综合效益的DEA模型[J].数量经济技术经济研究,1998(5):63-66.
[30]熊正德,刘永辉,钟宝贵.基于CCA-DEA的商业银行绩效评价理论及其实证研究[J].当代财经,2008(2):60-64.
[31]林森.基于Sto NED方法的中国商业银行绩效研究[J].统计与决策,2009(7):123-125.
[32]杨淑萍,赵秀娟.基于层次分析模型的商业银行绩效评价[J].求索,2009(6):35-37.
[33]方长丰.关于商业银行绩效评价体系的实证研究[J].税务与经济,2011(4):33-38.
[34]上官飞,舒长江.基于因子分析的中国商业银行绩效评价[J].经济问题,2011(1):109-111.
[35]陈仲常,刘佳,林川.商业银行绩效评价体系及影响因素研究[J].工业工程,2011(3):20-24.
[36]李春雅,李礼.基于结构方程模型的我国商业银行市场绩效测评研究[J].求索,2014(4):62-65.
[37]徐菱潞.互联网金融对传统商业银行影响的实证研究[J].新疆社会科学,2015(4):27-31.
[38]王锦虹.互联网金融对商业银行盈利影响测度研究---基于测度指标体系的构建与分析[J].财经理论与实践,2015(1):7-12.
[39]郭品,沈悦.互联网金融加重了商业银行的风险承担吗?---来自中国银行业的经验证据[J].南开经济研究,2015(4):80-97.
[40]刘忠璐,林章悦.互联网金融对商业银行盈利的影响研究[J].北京社会科学,2016(9):61-72.
[41]黄锐,黄剑.互联网金融影响银行绩效吗?---基于98家商业银行的面板数据[J].南方金融,2016(1):55-60.
[42]管仁荣,张文松,杨朋君.互联网金融对商业银行运行效率影响与对策研究[J].云南师范大学学报(哲学社会科学版),2014(6):56-64.
[43]仓明,鞠玲玲,孟令杰.互联网金融对我国商业银行效率的影响研究[J].金融与经济,2016(6):62-65.