【作者】 胡姝； 张晨；

【机构】 合肥工业大学管理学院；

【摘要】 随着信息技术的快速发展,互联网金融应运而生,改变了传统金融业务模式,对商业银行风险承担造成一定影响。为探究互联网金融对商业银行风险承担的影响及影响路径,在2008-2017年30家商业银行面板数据的基础上,分析互联网金融对商业银行风险承担的影响,并对商业银行经营效率在影响过程中起到的中介作用进行实证检验。研究发现,互联网金融除直接降低商业银行风险承担外,还能够通过提升商业银行经营效率降低商业银行风险承担,经营效率在影响过程中起到部分中介效应,研究对传统商业银行降低风险承担、促进银行业的发展具有重要意义。更多还原

【Abstract】 With the rapid development of information technology, Internet finance has emerged as the times require, which has changed the traditional financial business model and has a certain impact on commercial banks’ risk-taking. In order to explore the impact of Internet finance on commercial banks’ risk-taking and the impact path, based on the panel data of 30 commercial banks in 2008-2017, this paper analyzes the impact of Internet finance on commercial banks’ risk-taking, and empirically tests the mediating effect of commercial banks’ operating efficiency in the process of the impact. The study found that in addition to reducing commercial banks’ risk-taking directly, Internet finance can also reduce commercial banks’ risk-taking by improving the operating efficiency of commercial banks. The operating efficiency plays a mediating effect in the process of the impact. The research is of great significance in reducing the traditional commercial banks’ risk-taking and promoting the development of the banking industry.更多还原