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上海大学学报(社会科学版)

• 经济学·管理学研究 • 上一篇    下一篇

商业银行服务外包对银行绩效的影响

  

  1. 南京师范大学商学院
  • 收稿日期:2012-03-26 出版日期:2012-09-15 发布日期:2012-09-15
  • 作者简介:赵仁康（1955）， 男，江苏省苏州市人。南京师范大学商学院副院长，《南京师范大学学报》主编，教授，博士生导师，江苏省世界经济学会副会长，中国世界经济学会理事，研究方向：国际服务贸易、经济全球化和多边贸易体系等。

The Impact of Commercial Bank Service Outsourcing on Bank Performance

  • Received:2012-03-26 Online:2012-09-15 Published:2012-09-15

被引次数

8

摘要：

随着我国金融市场开放度的不断提高，商业银行服务外包迅速发展。文章具体分析了我国商业银行服务外包对银行绩效的影响路径，并选取我国13家商业银行2001-2010年的面板数据进行实证分析。研究表明：金融服务外包对银行盈利能力短期有负面影响，但长期具有积极影响；对银行成本效率短期影响不显著，长期有负面影响；对银行的安全稳定性短期影响不显著，长期具有正向影响。在此研究的基础上，该研究提出有效的政策建议，以促进我国银行服务外包的发展。

关键词: 服务外包；银行绩效；面板数据模型

Abstract:

With the increasing openness of China' s financial market, the commercial bank service outsourcing has enjoyed rapid development. This paper, based on the empirical analysis of the panel data from 2001 to 2010 in thirteen Chinese commercial banks, discusses how China' s commercial bank service outsourcing has affected commercial bank performance. Research shows that, as to financial service outsourcing, it produces a negative effect on bank profitability in a short term but a positive one in a long term; it exerts no obvious influence on bank cost efficiency in a short term but a negative one in a long term; it has no significant impact on the safety and stability of the bank in a short term but a positive one in a long term. Based on these findings, the author gives some effective policy suggestions to help promote the development of China' s bank service outsourcing.

Key words: service outsourcing, bank performance, panel data model

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