Research On The Impact Of Electronic Banking On The Performance Of Chinese Commercial Banks

At the end of the 20 th century,electronic banking was introduced into China and developed rapidly.Internet banking,mobile banking,smart banking and other new e-banking products have greatly changed the business of Chinese banking industry.Nowadays,with the deepening of financial innovation and financial opening,commercial banks are faced with increasingly fierce market competition.The e-banking business has the advantages of all-weather,high efficiency and low cost,which is very conducive to the diversification of Chinese commercial banks and the improvement of their competitiveness.Therefore,the study of e-banking efficiency and its impact on commercial banks is of great significance to the further development of e-banking in China and the promotion of the reform and transformation of the banking industry.On the basis of summarizing the relevant researches on e-banking,this paper firstly studied the ebanking efficiency of 8 large commercial banks in China in the 11 years from 2008 to 2018 by using the data envelopment analysis model.This study found that,except China Industrial Bank,the sample bank's e-banking business was in a state of low efficiency for a long time due to its low scale efficiency.Moreover,the difference in scale efficiency leads to that the e-banking efficiency of stateowned banks is obviously lower than that of joint-stock banks.In the sample banks,the e-banking businesses of 5 commercial banks including Industrial and Commercial Bank of China,China Construction Bank,Agricultural Bank of China,Bank of China and China Merchants Bank are in the stage of diminishing returns to scale for a long time due to their large scale.On the contrary,the e-banking business scale of Shanghai Pudong Development Bank and China Everbright Bank is relatively small and has been in the stage of increasing returns to scale for a long time.Then,this paper uses panel data regression model to analyze the impact of e-banking on commercial banks.The results show that,when the bank performance is measured by the return on total assets,the e-banking business has a positive impact on the business performance of commercial banks,but the simple expansion of e-banking business is not conducive to improving the overall performance.According to the research results of this paper,commercial banks should reasonably adjust the scale of e-banking business according to their own conditions.In addition,they should pay more attention to efficiency in the development of e-banking,and improve the efficiency of e-banking by developing fintech,strengthening internal management,optimizing resource allocation,etc.