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当前位置: 首页 > 文章 > 互联网金融发展、市场竞争与农村金融机构绩效 农业经济问题 2018 (02) 50-59
Position: Home > Articles > The Development of Internet Finance,Market Competition and the Performance of Rural Financial Institutions: An Empirical Study Based on Text Mining Method Issues in Agricultural Economy 2018 (02) 50-59

互联网金融发展、市场竞争与农村金融机构绩效

作  者：
张正平;江千舟
单  位：
北京工商大学经济学院
关键词：
互联网金融;农村金融机构;市场竞争;财务绩效;社会绩效
摘  要：
近年来,网络借贷等互联网金融主体纷纷进军农村金融市场,由此形成了全新的市场竞争格局。本文基于2013—2015年108家农村金融机构的数据,分析了互联网金融对农村金融机构财务绩效和社会绩效的影响,以及市场竞争对影响过程的作用。研究发现:互联网金融的发展水平越高,农村金融机构的财务绩效越差,而市场竞争水平的上升将弱化互联网金融发展水平对机构财务绩效的影响;互联网金融的发展水平越高,农村金融机构的社会绩效越差。而市场竞争水平的上升将会强化互联网金融发展水平对机构社会绩效的影响。可见,随着互联网金融在农村的发展,其对农村金融机构的绩效会产生一定的影响,各类农村金融机构应制定合适的发展战略以应对互联网金融的冲击。
译  名：
The Development of Internet Finance,Market Competition and the Performance of Rural Financial Institutions: An Empirical Study Based on Text Mining Method
作  者：
ZHANG Zhengping;JIANG Qianzhou;
关键词：
Internet finance;;Rural financial institutions;;Market competition;;Financial performance;;Social performance
摘  要：
In recent years,internet financial firms such as P2 P have entered the rural financial market in succession,which has formed a completely new market competition situation. Based on the data of 108 rural financial institutions( RFIs) during 2013 to 2015,this paper analyzes the impact of internet finance( IF) on the financial performance and social performance of RFIs,and the role of market competition in the influencing process. The paper finds that higher the level of development of IF,worse the financial performance of RFIs; and higher level of market competition,the weaker such impact; the higher the level of development of IF,worse the social performance of RFIs,and the higher level of market competition will strengthen such impact. So it can be seen that with the development of IF in rural areas,it will influence the performance of RFIs,and all kinds of RFIs should formulate suitable development strategies to cope with the impact of IF in rural areas.

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