本文選題：互聯(lián)網(wǎng)金融 + 創(chuàng)新績(jī)效　； 參考：《金融理論與實(shí)踐》2017年02期

【摘要】：現(xiàn)有理論對(duì)于互聯(lián)網(wǎng)金融影響商業(yè)銀行創(chuàng)新績(jī)效的內(nèi)在機(jī)理尚不明晰,由此為實(shí)踐帶來(lái)的困惑是商業(yè)銀行如何應(yīng)對(duì)外部環(huán)境挑戰(zhàn)以重塑核心競(jìng)爭(zhēng)能力�；诖�,在MOA理論以及文本分析法獲取互聯(lián)網(wǎng)金融指數(shù)的基礎(chǔ)上,運(yùn)用我國(guó)2006—2015年16家上市銀行數(shù)據(jù),探討互聯(lián)網(wǎng)金融與商業(yè)銀行創(chuàng)新績(jī)效的關(guān)系,并分析高管團(tuán)隊(duì)異質(zhì)性、外部治理在兩者關(guān)系中的調(diào)節(jié)作用。結(jié)果表明,互聯(lián)網(wǎng)金融和外部治理對(duì)商業(yè)銀行的創(chuàng)新績(jī)效具有顯著的正向影響,而高管團(tuán)隊(duì)的異質(zhì)性對(duì)商業(yè)銀行的創(chuàng)新績(jī)效具有顯著的負(fù)向影響。最后,探討研究結(jié)論的管理啟示,為商業(yè)銀行轉(zhuǎn)型發(fā)展提供有益的借鑒。
[Abstract]:The existing theories are not clear about the internal mechanism of Internet finance influencing the commercial banks' innovation performance. The puzzle brought by this theory is how to deal with the external environmental challenges to reshape the core competitiveness of commercial banks. On the basis of MOA theory and text analysis, this paper uses the data of 16 listed banks from 2006 to 2015 to explore the relationship between Internet finance and commercial bank innovation performance, and analyzes the heterogeneity of executive team. External governance in the relationship between the regulatory role. The results show that Internet finance and external governance have a significant positive impact on the innovation performance of commercial banks, while the heterogeneity of the executive team has a significant negative impact on the innovation performance of commercial banks. Finally, the paper discusses the management implications of the research conclusions, and provides useful reference for the commercial banks'transformation and development.
【作者單位】： 北京大學(xué)經(jīng)濟(jì)學(xué)院博士后流動(dòng)站;鄭州銀行博士后工作站;
【分類號(hào)】：F832.33

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