Research Article
The Influence of Internet Finance on the Performance of Commercial Banks: The Intermediary Effect of Interest Rate Marketization
@INPROCEEDINGS{10.4108/eai.26-5-2023.2334306, author={Aopeng Huang}, title={The Influence of Internet Finance on the Performance of Commercial Banks: The Intermediary Effect of Interest Rate Marketization}, proceedings={Proceedings of the 2nd International Conference on Mathematical Statistics and Economic Analysis, MSEA 2023, May 26--28, 2023, Nanjing, China}, publisher={EAI}, proceedings_a={MSEA}, year={2023}, month={7}, keywords={internet finance; bank performance; interest rate marketization; intermediary effect}, doi={10.4108/eai.26-5-2023.2334306} }- Aopeng Huang
Year: 2023
The Influence of Internet Finance on the Performance of Commercial Banks: The Intermediary Effect of Interest Rate Marketization
MSEA
EAI
DOI: 10.4108/eai.26-5-2023.2334306
Abstract
Based on the panel data of 42 commercial banks in China, this paper analyzes the in-fluence of Internet finance on the performance of commercial banks through the fixed effect model, and explores its transmission path. It is found that Internet finance has a significant negative effect on bank performance, and interest rate marketization plays an intermediary role in it. The mechanism research shows that the negative effects of Internet finance on the performance of commercial banks are mainly realized through the marketization of interest rates promoted by it, and the negative effects of Internet finance on the performance of commercial banks are greater than the positive tech-nology spillover effect and competition effect. This paper sheds light on the govern-ment’s formulates of relevant policies for commercial banks and commercial banks to develop and improve themselves.