摘 要
随着金融科技的快速发展，金融创新已成为推动银行业转型升级的重要力量。本研究旨在探讨金融创新对银行盈利能力的作用机制及其实际影响，通过构建包含产品创新、技术创新和组织创新的综合评价体系，采用面板数据模型对2015年至2022年间中国上市银行的数据进行实证分析。研究发现，金融创新与银行盈利能力之间存在显著正相关关系，其中技术创新的贡献尤为突出，而产品创新的影响则受到市场竞争环境的调节作用。此外，研究还揭示了不同规模银行在金融创新效应上的异质性特征，大型银行因资源禀赋优势表现出更强的转化能力。本研究的创新点在于将多维度金融创新纳入统一框架，并结合动态面板模型提升估计精度，为银行业深化金融创新实践提供了理论支持与政策启示。研究成果有助于优化资源配置，促进银行业的可持续发展。
关键词：金融创新；银行盈利能力；技术创新
Abstract
With the rapid development of financial technology, financial innovation has become a crucial driving force for the transformation and upgrading of the banking industry. This study aims to explore the mechanism and practical impact of financial innovation on bank profitability by constructing a comprehensive evaluation system that incorporates product innovation, technological innovation, and organizational innovation. A panel data model is employed to conduct an empirical analysis of data from Chinese listed banks between 2015 and 2022. The findings reveal a significant positive correlation between financial innovation and bank profitability, with technological innovation making a particularly prominent contribution. The influence of product innovation, however, is moderated by the competitive market environment. Furthermore, the study uncovers heterogeneous characteristics in the effects of financial innovation across banks of different sizes, as large banks demonstrate stronger conversion capabilities due to their resource endowment advantages. The novelty of this research lies in integrating multidimensional financial innovation into a unified fr amework and enhancing estimation accuracy through the use of dynamic panel models, thereby providing theoretical support and policy implications for the banking industry's deepening of financial innovation practices. The research outcomes contribute to optimizing resource allocation and promoting the sustainable development of the banking sector.
Keywords: Financial Innovation；Bank Profitability；Technological Innovation
目 录
引言 1
一、金融创新与银行盈利能力的理论基础 1
（一）金融创新的概念界定 1
（二）银行盈利能力的核心指标 2
（三）理论框架与研究意义 2
二、金融创新对银行收入结构的影响分析 3
（一）传统业务收入的变化趋势 3
（二）中间业务收入的增长机制 3
（三）收入多元化对盈利能力的作用 4
三、金融创新对银行成本效率的提升作用 4
（一）技术创新对运营成本的影响 4
（二）产品创新对风险管理的优化 4
（三）成本效率改进的实证分析 5
四、金融创新与银行竞争优势的关系探讨 5
（一）创新驱动下的市场定位调整 5
（二）客户需求满足与市场份额提升 6
（三）可持续发展视角下的长期盈利潜力 6
结 论 6
致 谢 8
参考文献 9
