第三方支付规模对上市商业银行的绩效影响研究

楚雄师范学院学报 ›› 2020, Vol. 35 ›› Issue (6): 23-27.

第三方支付规模对上市商业银行的绩效影响研究

彭爱群¹, 唐冰心²

1.安徽工商职业学院经济贸易学院, 安徽合肥 231100;
2.安徽大学学校办公室,安徽合肥 231100

收稿日期:2020-06-18 出版日期:2020-11-20 发布日期:2021-03-29
作者简介:彭爱群（1988–）,女,硕士,安徽工商职业学院经贸学院讲师,主要研究方向为互联网金融。E-Mail：309926379@qq.com,Tel.18130467505

Research on the Influence of the Scale of Third-party Payment on the Performance of Listed Commercial Banks

PENG Aiqun, TANG Bingxin

School Economics and Trade, Anhui Business and Technology College, Hefei, Anhui Province 231100;
General Office, Anhui University, Hefei, Anhui Province 231100

Received:2020-06-18 Online:2020-11-20 Published:2021-03-29

摘要/Abstract

摘要： 选取16家上市商业银行2013年至2019年的季度数据作为样本区间,建立变量间的面板回归模型,分析相关变量间的关系。通过实证分析发现,第三方支付规模与上市商业银行绩效水平呈负相关关系,国内生产总值的增加有助于提升商业银行的绩效水平,而非利息收入比与上市商业银行绩效水平呈负相关关系。从商业银行业务转型,提升信息化水平等方面提出建设智慧化银行,进一步推进智慧支付方式;广泛与第三方支付平台合作,增加客户资源;扩宽业务渠道,建立线上业务模式的政策建议。

关键词: 第三方支付, 商业银行绩效, 影响, 面板回归

Abstract: Known as the first year of Internet finance in China, 2013 was also a milestone year for the development of third-party payment business. With the quarterly data of 16 listed commercial banks from 2013 to 2019 as the sample interval, this paper establishes a panel regression model between variables to analyze the relationship between relevant variables. Through empirical analysis, it is found that the scale of third-party payment has a negative correlation with the performance of listed commercial banks. The increase in GDP contributes to improve the performance of commercial banks, while the non-interest income ratio has a negative correlation with the performance of listed commercial banks. On this basis, the article throws out policy suggestions to boost the performance of commercial banks in terms of their business transformation and improvement of informationalized level.

Key words: third-party payment, performance of commercial banks, influence, panel regression

中图分类号:

F832.39

彭爱群, 唐冰心. 第三方支付规模对上市商业银行的绩效影响研究[J]. 楚雄师范学院学报, 2020, 35(6): 23-27.

PENG Aiqun, TANG Bingxin. Research on the Influence of the Scale of Third-party Payment on the Performance of Listed Commercial Banks[J]. Journal of Chuxiong Normal University, 2020, 35(6): 23-27.

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