摘要
基于技术进步推动金融科技创新的现实背景,以2011-2018年中国省级面板数据为研究样本,采用中国专利数据库、Wind数据库、BankScope数据库、各个商业银行的年报、《中国金融年鉴》和《中国统计年鉴》的多重匹配数据,系统检验基于技术进步角度的金融科技创新对商业银行经营效率的影响.结果表明:基于技术层面的金融科技创新对商业银行的净资产收益率、总资产周转率、人均利润率均有正向的促进作用,这说明基于技术层面的金融科技创新能够有效地提高商业银行的经营效率.根据实证研究结果,为提升技术层面的商业银行金融科技创新能力,提出以下对策建议:大力发展基础科技技术研究带动金融科技创新、加大金融科技创新人才的培养力度、加强商业银行与金融科技企业的合作.
Abstract
Based on the realistic background of technological progress promoting financial science and technology innovation,taking China's provincial panel data from 2011 to 2018 as the research sample,this paper uses the multi-ple matching data of China patent database,Wind database,BANKSCOPE database,annual reports of various com-mercial banks,China Financial Yearbook and China Statistical Yearbook,systematically tests the impact of financial science and technology innovation based on technological progress on the operating efficiency of commercial banks.The results show that financial science and technology innovation based on technology plays a positive role in promoting the return on net assets,total asset turnover and per capita profit rate of commercial banks,this shows that financial tech-nology innovation based on technology can effectively improve the operating efficiency of commercial banks.According to the empirical research results,in order to improve the financial science and technology innovation ability of commer-cial banks at the technical level,the following countermeasures and suggestions are put forward:vigorously develop basic science and technology research,drive financial science and technology innovation,strengthen the training of fi-nancial science and technology innovation talents,and strengthen the cooperation between commercial banks and finan-cial science and technology enterprises.
万方数据