TITLE:
Research on the Impact of Internet Finance on the Efficiency of Chinese Commercial Banks
AUTHORS:
Shuo Zhao
KEYWORDS:
Bank Efficiency, Internet Finance, Third-Party Payment
JOURNAL NAME:
American Journal of Industrial and Business Management,
Vol.8 No.4,
April
27,
2018
ABSTRACT: This paper selects 15 Chinese commercial banks as
the research sample, using stochastic frontier approach, setting Trans-log
Production Function. The paper firstly measures the efficiency of commercial
banks, and the results show that the efficiency level of Chinese commercial
banks is on the rise from 2007 to 2016, and the
efficiency of state-owned banks is higher than that of joint-stock banks.
Secondly, the paper studies the influence factors of the efficiency of Chinese
commercial banks in the view of banks’ own
factors, industry factors, Internet financial development factors. The results
show that the non-performing loan ratio level and the Internet financial
development are negatively related to the bank efficiency, and competition of
market is positively associated with the bank efficiency, and
the structure of property rights will also significantly affect the performance
of commercial banks.