| 银行发展金融科技能否提高经营绩效？——来自我国92家银行的经验证据 |
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| 引用本文：赵清波1，卜 林2.银行发展金融科技能否提高经营绩效？——来自我国92家银行的经验证据[J].财经理论与实践,2022,(5):19-26 |
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| 中文摘要:采用对年报进行文本分析的方法构建银行金融科技指数，结合2008—2019年我国92家银行面板数据，考察银行金融科技对经营绩效的影响及作用机制。研究发现，银行发展金融科技能够提升经营绩效；降低不良贷款率以及成本收入比是银行金融科技影响经营绩效的中介机制。异质性分析表明，规模更大的银行发展金融科技对经营绩效的正向作用更为显著；资本充足率更高的银行发展金融科技更有效地提高了股本收益率，对资产收益率的影响则不存在明显差异。 |
| 中文关键词:银行金融科技 经营绩效 不良贷款率 成本收入比 多重中介效应 |
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| Can Bank Fintech Development Promote Operating Performance?-Empirical Evidence from 92 Banks in China |
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| Abstract:We construct the bank Fintech index from text analysis of their annual reports, and explore how bank Fintech affects its operating performance and corresponding influencing mechanism using the panel data of 92 Chinese commercial banks from 2008 to 2019. The results prove that bank Fintech development significantly improves its operating performance through reducing the non-performing loan ratio and cost-income ratio. Further heterogeneity tests show that the positive impacts of Fintech development on operating performance are more significant for bigger banks; Fintech development in banks with higher capital adequacy ratio leads to a more profound increase in ROE, while the differences in the results using ROA are insignificant. |
| keywords:bank Fintech operating performance non-performing loan ratio cost-income ratio multiple mediating effect |
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