基于VAR模型的互联网金融对我国商业银行影响的实证研究

互联网金融的出现引发了金融领域的变革,并对传统金融造成了冲击。通过理论研究和基于VAR模型的实证研究,综合分析了互联网金融对我国商业银行三大传统业务的影响。研究结果表明,互联网金融确实能对商业银行传统业务造成一定的冲击,既能产生正向作用,又能造成负向效应。商业银行只有加强金融创新,取长补短,才能在今后的时代中继续保持在金融领域的主力地位。

A VAR-based Study of the Impact of Internet Finance on Commercial Banks in China

The emergence of Internet finance has led to changes to the financial sector and had impact on the traditional finance. In this paper, the author has conducted some theoretical and VAR-based empirical researches into Internet finance and analyzed the impact of Internet finance on three major traditional businesses of commercial banks in China. The results show that Internet finance does have a certain impact on the traditional business of commercial banks, which can produce both positive and negative effects. Only by strengthening financial innovation and drawing on each other''s strengths can commercial banks continue to maintain their dominant position in the financial field in the future.