Has Internet Finance Decreased the Profitability of Commercial Banks?: Evidence from China
Has Internet Finance Decreased the Profitability of Commercial Banks?: Evidence from China
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互联网金融是否降低了商业银行的盈利能力？：来自中国的证据
DOI：
10.1080/1540496x.2019.1624159
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发表时间：
2019-06
影响因子：
4
通讯作者：
Ling-Yun He
中科院分区：
文献类型：
--
作者：
Zhongfei Chen;Kexin Li;Ling-Yun He
ABSTRACT This paper explores the popularity of internet finance and its potential shocks to the business of traditional commercial banking in China. Using data on 200 commercial banks in China during the period 2011 to 2016, this paper investigates whether internet finance, measured by P2P (peer-to-peer lending) lending and third-party payment, has a negative impact on the profitability of commercial banks. It concludes that P2P lending and third-party payment has significant negative influence on the profitability of loans and deposits at China’s commercial banks. By intensifying competition, the development of internet finance has decreased the interest income of loans, increased the interest cost of deposits, lowered the growth rate of loans and deposit, and brought about more risk. City and rural banks and unlisted banks are more vulnerable to internet finance than large government-owned and joint-stock banks.
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影响因子：
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