| 英文摘要 | Abstract
In the past decade, China's total economy has grown steadily,
residents' wealth has accumulated rapidly, and many high net worth
people have appeared in the market. Their complex financial needs have
provided the basis for the development of private banks. At the same time,
China has implemented the supply side structural reform in finance in
recent years. Commercial banks continue to operate with the traditional
profit model of interest rate difference between deposits and loans, which
limits
their
development
path.
In
order
to
maintain
the
core
competitiveness of banks in the financial market, private banking came
into being.
The vigorous development of financial technology has provided
technical support for the transformation and upgrading of private banking
business of commercial banks and their service products. Firstly, through
literature sorting, this paper introduces the business philosophy, business
model and risk management of private banking, which lays a theoretical
foundation for the research of this paper. Then it analyzes the current
development of commercial banks and financial technology, and
discusses the relationship between cooperation and competition between
them. Then it analyzes the specific impact in those aspects, and analyzes
the impact mechanism of financial technology on private banking
business from two aspects of Technology Spillover and substitution effect,
兰州财经大学硕士学位论文
金融科技对我国商业银行私人银行业务的影响
and then studies the transmission mechanism of the impact of financial
technology on China's commercial private banking business.This paper
uses the processed provincial financial technology development index of
Peking University to measure the development degree of financial
technology faced by commercial banks, measures the development of
private banking business of commercial banks with the scale of private
banking customers, the scale of private banking customers' assets and the
per capita asset scale of private banking business, and makes an empirical
study by using the fixed effect model, Support the research results from
both theoretical and empirical aspects. Finally, it puts forward some
suggestions to promote the development of private banking business of
commercial banks in China.
Through the research, it is concluded that the development degree of
financial technology is positively correlated with the asset scale of private
banking customers of commercial banks. The higher the development
degree of financial technology is, the larger the asset regulation of private
banking customers of commercial banks is. The development degree of
financial technology is positively related to the scale of private banking
customers of commercial banks. The higher its development degree, the
larger the scale of private banking customers of commercial banks. From
the perspective of vertical comparison, the impact of the development of
financial technology on the per capita asset scale of private banking
兰州财经大学硕士学位论文
金融科技对我国商业银行私人银行业务的影响
business of commercial banks shows an inverted "U" trend. From the
perspective of horizontal comparison, the private banking business of
different commercial banks has different response to the development of
financial technology, which is specifically reflected in that the faster the
response speed of large banks is, the smaller the small banks are. This
paper believes that compared with small commercial banks, large banks
have more advantages in the application degree of financial technology,
market scale and resource strength, so it is more favorable for the
development of private banking business.
Key words: Financial technology；Private banking；Solid effect model |
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