互联网金融对银行业绩的影响(外文翻译).docx

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译文(字数 7276):

观测网上银行对银行业绩的影响:越南的数据

Van Dinh, Uyen Le 以及 Phuong Le

财政金融学院,VNU经济商业大学,河内,越南

摘要

网上银行是银行业中的一种创新业务。然而,关于网银对银行业绩影响的研究很少见。在越南,最近没有研究被研究人员发起。本课题主要目的是评估网上银行在2009-2014间对银行业绩的影响(获利能力比率,非利息营业外支出和收入)。该研究采用随机效应模型(REM)和固定效应模型(FEM)来估计网络指标与银行业绩之间的关系。从回归模型的结果显示,网上银行通过增加附加服务活动的收入对银行盈利产生影响。然而,这种影响程度较低并且具有超过3年的滞后时间,这比以前的研究需要更长的时间。

关键词:网上银行;商业银行;性能比;服务通道

 

外文原文(字符数 24386):

Measuring the Impacts of Internet Banking to Bank Performance:

Evidence from Vietnam

Van Dinh*, Uyen Le and Phuong Le

Faculty of Finance and Banking, VNU University of Economics and Business, Hanoi, Vietnam

Abstract

Internet banking is an innovative service in the banking industry. However, researching about the impact of internet banking to bank’s performance is rarely seen. In Vietnam, no research has been found recently by researchers. The main objective of this study is to evaluate the impact of internet banking to performance (profitability ratios, noninterest operating expenses and incomes) of banks in Vietnam in the period from 2009-2014. The study uses random effect model (REM) and fixed effect model (FEM) to estimate the relationships between Internet indicators and bank’s performance. The results from the regression model showed that internet banking had an impact on bank profitability through an increase of income from service activities. However, the impact level was low and had a lag time of over 3 years, which is longer than findings from previous studies.

Keywords: Internet banking; Commercial bank; Performance ratios;Service channel

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上传会员 小四哥 对本文的描述:本文的目的是从商业银行的角度来确定和评估网银的影响。具体而言,本文试图探究通过互联网作为渠道对利润、运营成和盈利产生的影响。20家银行的样本,约占一半的商业银行的总数......
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