Page 131 - 《华中农业大学学报（社会科学版）》2022年第1期

第 １ 期 范亚辰 等: 互联网金融发展对农村商业银行效率的影响研究 １ ２ ５

[ ２７ ]郭峰, 王靖一, 王芳, 等 ． 测度中国数字普惠金融发展: 指数编制与空间特征[ C ] ． 北京大学数字金融研究中心工作论文, ２０１９．
[ ２８ ]温忠麟, 叶宝娟 ． 中介效应分析: 方法和模型发展[ J ] ． 心理科学进展, ２０１４ , ２２ ( ５ ): ７３１Ｇ７４５．

AStud y ontheInfluenceofInternetFinanceonthe

Efficienc y ofRuralCommercialBanks

FAN Yachen , TIAN Ya q un

Abstract Theefficienc yofruralcommercialbankshasanim p ortantim p actonthede g reeof
matchin g financialsu pp l yanddemandinruralareasandthestabilit yoftheruralfinancialenvironＧ
ment , andtheim p actofthedevelo p mentofInternetfinanceontheefficienc yofruralcommercial
bankscannolon g erbei g nored．Basedonthedataof２７３ruralcommercialbanksfrom２０１３to２０２０ ,
thecostefficienc yandp rofitefficienc yofruralcommercialbanksweremeasuredusin gstochastic
frontieranal y sis ( SFA ), whiletheInternetfinanceindex ( RIFI ) wasconstructedusin gtextminin g
method．Onthisbasis , ad y namicGMM modelisusedtoverif y theim p actofInternetfinancedevelＧ
o p mentoncostefficienc yandp rofitefficienc yofruralcommercialbanks , anditsmechanismofacＧ
tionisinvesti g atedwiththehel pofamulti p lemediatin geffectsmodel．Theconclusionsshowthat
thedevelo p mentofInternetfinancereducesthecostefficienc y and p rofitefficienc y ofruralcommerＧ
cialbanks．Intermsofthemechanismofaction , theim p actofInternetfinanceoncostefficienc y and
p rofitefficienc y ofruralcommercialbankshas p artialintermediationeffectwith８０．５１％oftheoverＧ
allim p actofInternetfinanceoncostefficienc y throu g htheindirectchannelofdeterioratin gde p osit
structureand６１．１１％ oftheoverallim p actofInternetfinanceonp rofitefficienc y throu g htheindiＧ
rectchannelofnarrowin gp rofitsources．
;
;
Ke ywords internetfinance ; ruralcommercialbanks ; costefficienc y p rofitefficienc y interＧ
mediationeffect

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