调查银行业绩的时间和空间演变及其在金融技术发展背景下的影响途径
Jing Zhao1, Haslindar Ibrahim1, Congqi Wang1
1School of Management, Universiti Sains Malaysia, 11800, USM, Penang, Malaysia.
Heliyon
|May 23, 2024
概括
金融技术 (FinTech) 提高了区域银行业绩,尽管其他经济因素也发挥了作用. 空间分析揭示了金融科技.
科学领域:
- 经济学 经济学 经济学
- 金融 金融 金融 金融 金融
- 区域科学 地区科学
背景情况:
- 全球化和数字经济正在加速,改变了企业,影响了银行业绩.
- 了解金融技术 (FinTech) 与银行业绩之间的相互作用对于经济发展至关重要.
- 之前的研究强调了金融科技在金融系统中日益重要的意义.
研究的目的:
- 检查2012年至2021年中国金融科技与银行业绩之间的发展和相互作用.
- 确定金融科技对银行业绩影响的关键驱动因素和空间特征.
- 为决策者和金融机构提供基于证据的建议.
主要方法:
- 用于空间分布分析的标准偏差圆.
- 核密度估计以可视化密度模式.
- 莫兰空间自相对应指数.
- 空间计量经济学模型用于评估影响和溢出效应.
主要成果:
- 金融技术的发展与区域银行业绩有积极的相关性,与经济发展和城市化等控制变量相结合.
- 中国的银行业绩最初增长,然后下降,而金融科技显示了不同的轨迹;两者都集中在东部沿海地区.
- 在金融科技和银行业绩方面观察到显著的空间聚集 (高高,低低).
- 金融技术和控制变量表现出空间溢出效应,影响邻近地区的银行业绩.
结论:
- 金融科技是区域银行业绩的重要驱动因素,具有明显的空间模式和溢出效应.
- 政策干预应考虑区域差异和金融市场的相互联系.
- 金融技术的战略发展可以提高银行整体业绩和经济增长.
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