摘要
随着互联网信息技术的日臻成熟,第三方支付产业飞速成长,与商业银行的传统业务相交融,影响了商业银行盈利能力。商业银行如何在第三方支付的挑战下保持盈利是目前亟需探讨和解决的问题。本文首先分析第三方支付对商业银行资产业务、负债业务、中间业务的影响机制,随后利用实证分析方法,基于93家商业银行2013-2022年的面板数据对第三方支付如何影响商业银行盈利进行回归。最后得出结论:第三方支付对商业银行盈利具有负面影响,资本充足率对银行盈利水平有正面影响,资产总额、不良贷款率等对商业银行盈利具有负面影响。最后针对实证结果提出商业银行应降低不良贷款率、保持资本充足、减缓规模增速等建议,以期为商业银行如何在第三方支付冲击下寻求盈利提供参考。
With the increasing maturity of internet information technology,the third-party paymen industry has grown rapidly,integrating with the traditional business of commercial banks and affecting their profitability.How commercial banks can maintain profitability under the challenge of third-party payments is an urgent issue that needs to be explored and solved.This article first analyzes the impact mechanism of third-party payments on the asset business,liability business,and intermediary business of commercial banks.Then,using empirical analysis methods,based on panel data from 93 commercial banks from 2013 to 2022,it investigates how third-party payments affect the profitability of commercial banks.Finally,the conclusion is drawn that third-party payments have a negative impact on the profitability of commercial banks,capital adequacy ratio has a positive impact on the profitability level of banks,and total assets,non-performing loan ratio,etc.have a negative impact on the profitability of commercial banks.Finally,based on the empirical results,it is proposed that commercial banks should reduce their non-performing loan ratio,maintain capital adequacy,and slow down the growth rate of their scale,in order to provide reference for how commercial banks seek profits under the impact of third-party payments.
作者
王颖
Wang Ying(Yinqing Technology Co.,Ltd)
出处
《金融发展评论》
2023年第10期79-95,共17页
Financial Development Review
关键词
商业银行
第三方支付
盈利能力
Commercial Bank
Third Party Payment
Profitability
作者简介
王颖,文学硕士,中级经济师,银清科技有限公司,Emai:yingwang@cncc.cn。
