商业银行网络银行业务发展影响因素的实证研究

采用自组织数据挖掘方法(GMDH),客观、自动地筛选影响商业银行网络银行业务发展的主要因素。利用2000—2011年我国10家商业银行的季度数据,实证分析网络银行业务发展与其影响因素之间的非线性关系。研究结果表明:政策因素、电子商务发展、网络营销和安全性是影响商业银行网络银行业务发展的主要因素;政策因素和网络营销对网络银行业务发展的影响较小,电子商务发展和安全性对网络银行业务发展的影响较大;这些影响因素与网络银行业务发展之间不仅存在线性关系,而且存在非线性关系。

Empirical Study on Influencing Factor of Internet Banking Business of Commercial Bank

This paper uses Grouped Method of Data Mining（GMDH） to screen the main influencing factors of Internet banking business of commercial bank objectively and automatically. Then it empirically studies the non-linear relationship between the development of Internet bank- ing business and its main influencing factors by using the quarterly data of 10 commercial banks from 2000 to 2011. The results show as follows： policy factor,E-commerce development,Internet marketing and security are the main factors influencing the development of Internet banking business;policy factor and network marketing have less impacts on the development of Internet banking business;E-commerce development and security have bigger impacts on the development of Internet banking business; there is not only the linear relationship but also the nonlinear rela- tionship between these influencing factors and the development of Internet banking business.