An empirical study on the efficiency of bank innovation in the context of internet financial development

摘要

Recently, the rapid development of Internet finance has influenced the traditional financial model in many ways. As an emerging financial mode, it provides customers with a wider range of multiple financial services, but also has an impact on the commercial banks operating efficiency and innovation efficiency. In order to explore the impact of Internet finance on the innovation efficiency of commercial banks, this paper analyses the data of 14 commercial banks in China from 2009 to 2015. First, the BCC model is used to measure the innovation efficiency of commercial banks. Then the Malmquist index of commercial banks is measured and analysed dynamically. Finally, the Tobit model based on panel data is established for regression analysis. Put forward the conclusions of commercial banks which accord to the empirical analysis to deal with the impact of Internet financial countermeasures and suggestions.