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  • Công bố khoa học và công nghệ Việt Nam

Kinh doanh và quản lý

Đinh Thị Thu Hồng(1), Nguyễn Hữu Tuấn, Trần Thị Hải Lý(3), NGUYỄN HỮU TUẤN(2)

Dịch vụ ngân hàng điện tử và hiệu quả hoạt động của ngân hàng thương mại Việt Nam

E-banking services and operational efficiency of Vietnamese commercial banks

Tạp chí Nghiên cứu Kinh tế và Kinh doanh Châu Á (Trường Đại học Kinh tế Thành phố Hồ Chí Minh)

2022

6

6-22

2615-9104

Ngân hàng trực tuyến, Ngân hàng điện tử, Ngân hàng thương mại, Hiệu quả hoạt động

Online banking, E-banking, Commercial banks, Performance, Vietnam

Bài viết này phân tích ảnh hưởng của tăng trưởng dịch vụ ngân hàng điện tử đến hiệu quả hoạt động của các ngân hàng thương mại (NHTM) Việt Nam. Dữ liệu về số lượng máy thanh toán ATM và máy POS/EFTPOS/EDC, số lượng thẻ thanh toán, số dư tài khoản thẻ thanh toán và giá trị thanh toán qua thẻ được sử dụng để đo lường chi tiêu dịch vụ ngân hàng điện tử. Sử dụng kỹ thuật ước lượng mô hình phân phối trễ ARDL hiệu ứng cố định với dữ liệu bảng cân xứng của 10 NHTM cổ phần nội địa ở Việt Nam giai đoạn Quý 1/2013 đến Quý 1/2021, nhóm tác giả tìm thấy dịch vụ ngân hàng điện tử có mối quan hệ ngược chiều vối hiệu quả hoạt động của các NHTM trong mẫu quan sát. Phát hiện này khá ngạc nhiên và dường như ngược lại với kỳ vọng thông thường.

This paper examines the influence of e-banking growth on the performance of Vietnamese commercial banks. The number of ATMs, POS/EFTPOS/EDC machines, the number of payment cards, the balance of payment card accounts, and the value of card payments are employed to measure the e-banking services. Using fixed-effects ARDL (autoregressive distributed lag) estimator for a balanced panel data set of 10 se-lected domestic joint-stock commercial banks in Vietnam in the period of Q1/2013-Q1/2021, the author find that e-banking services have significantly negative effects on commercial banks' performance. These findings are surprising and seems contrary to common expectations.

 

TTKHCNQG, CVv 486

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