论文总字数：23649字

摘 要

近年来，金融科技（FinTech）开始被广泛提及，金融发展格局发生了巨大变化，冲击了我国经济的发展方式，特别是银行业发展所面临的局面也都发生了变化。金融行业的新的进入者——金融科技公司改变了当前平稳的金融环境，凭借其便捷的服务、低廉的手续费、智能化的理财服务，迅速地占领了市场，这在一定程度上冲击了商业银行的传统盈利模式，并给商业银行带来了一定的经营风险。

本文主要基于熊彼得创新理论、阿特曼Z-score模型，从商业银行资产、负债及中间业务，信用职能，竞争环境等方面分析了金融科技给商业银行带来的冲击，研究了金融科技发展的大环境中我国商业银行受到的影响与相应的应对策略。本文选取了2013-2017年26家上市商业银行数据作为研究样本，通过理论与实证相结合、立足国内现实，为我国商业银行应对金融科技冲击提供相应的思路与对策建议。研究表明，金融科技的冲击会使得商业银行经营风险增大，收益效率降低，但商业银行为了谋求生存空间，将根据金融科技发展的大形势而做出战略改变，积极有效地进行金融创新，以此寻求商业银行新的利润增长点。

关键词：金融科技，商业银行，影响

Abstract

In recent years, FinTech has begun to be widely mentioned. The financial development pattern has undergone tremendous changes, which has affected the development mode of China's economy. In particular, the situation facing the development of the banking industry has also changed. The new entrant to the financial industry, FinTech, has changed the current stable financial environment. With its convenient services, low fees, and intelligent financial services, it has quickly occupied the market. This has impacted to a certain degree. The traditional profit model of commercial banks has brought certain operational risks to commercial banks.

This article is mainly based on Joseph Alois Schumpeter's innovation theory. It analyzes the impact of financial science and technology on commercial banks from the aspects of commercial bank assets, liabilities and intermediary business, credit function, and competitive environment, and studies the impact of financial science and technology on commercial banks in China, and the impact and corresponding coping strategies. This article selected 26 listed commercial bank data from 2013 to 2017 as research samples, combined theory with empirical analysis, based on domestic realities, and provided corresponding ideas and countermeasures for China's commercial banks to respond to financial science and technology shocks. Research shows that the impact of financial science and technology will cause commercial banks to increase their operational risks and reduce their efficiency. However, in order to seek a living space, commercial banks will make strategic changes based on the development of financial science and technology and actively and effectively carry out financial innovation. This seeks new profit growth points for commercial banks.

KEY WORDS: Fintech, Commercial Banks, Influence

目录

摘要 I

Abstract ii

第一章 绪论 1

1.1 研究背景和意义 1

1.1.1 研究背景 1

1.1.2 研究意义 1

1.2 研究目的与方法 2

1.2.1 研究目的 2

1.2.2 研究方法 2

1.3 研究创新与不足 2

1.3.1 研究创新 2

1.3.2 研究不足 3

1.4 研究内容 3

第二章 文献综述 4

2.1 金融科技的定义 4

2.2 金融科技对商业银行的影响研究 4

第三章 理论分析与假设 6

3.1 相关理论 6

3.2 研究假设 6

第四章 金融科技影响商业银行风险与收益的实证研究 10

4.1 变量选择 10

4.1.1 被解释变量 10

4.1.2 解释变量 10

4.1.3 控制变量 10

4.2 样本统计分析 11

4.3 实证研究 13

4.3.1 平稳性检验 13

4.3.2 模型构建 13

4.4 实证结果与分析 14

第五章 结论与政策建议 16

5.1 研究结论 16

5.2 政策建议 16

5.2.1 商业银行 16

5.2.2 政府部门 17

致谢 18

参考文献 19

图表目录

表 1 2010-2016年全国银行业支付系统概况 7

表 2 2010-2017年招商银行非利息收入占比变化情况表 7

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