BỘ KHOA HỌC VÀ CÔNG NGHỆ
HỆ THỐNG THÔNG TIN QUỐC GIA VỀ KHOA HỌC, CÔNG NGHỆ VÀ ĐỔI MỚI SÁNG TẠO

Lọc theo danh mục
  • Năm xuất bản
    Xem thêm
  • Lĩnh vực
liên kết website
Lượt truy cập
 Lượt truy cập :  33,311,557
  • Công bố khoa học và công nghệ Việt Nam

50202 - Kinh doanh và quản lý

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

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

Xem toàn văn
  • [1] Sullivan, R. J (2000), How has the adoption of Internet banking affected perfor-mance and risk at banks?,Financial Industry Perspectives, 1-16. Federal Reserve Bank ofKansas City
  • [2] Sufian, F (2009), Determinants of bank profitability in a developing economy: Empirical evidence f-rom the China banking sector.,Journal ofAsia-Pacific Business, 10(4), 281-307
  • [3] Solow, R. M (1956), A contribution to the theory of economic growth.,The Quarterly Journal of Economics, 70(1), 65-94. doi: 10.2307/1884513
  • [4] Schumpeter, J. A (1934), The Theory of Economic Development.,An Inquiry into Profits, Capital, Credit, Interest, và the Business Cvcle. Translated by Redvers opie f-rom the second German edition. Cambridge, Mass.: Harvard University Press
  • [5] Rogers, E. M (1987), The diffusion of innovations perspective.,In Weinstein, N. D. (Ed.), Taking Care: Understanding and Encouraging Self-Protective Behavior (pp. 79-94). Cambridge: Cambridge University Press
  • [6] Porter, M. E., & Millar, V. E (1985), How information gives you competitive advantage.,Harvard Business Review, 63(4), 149-160.
  • [7] Pesaran, M. H., & Shin, Y (1998), An autoregressive distributed lag modelling approach to cointegration analysis.,Econometric Society Monographs, 31, 371 -413
  • [8] Nathan, L (1999), Community banks are going online.,Community Bankin, 2-8. Federal Reserve Bank of Boston
  • [9] Naceur, s. B., & Omran, M (2011), The effects of bank regulations, competition, and financial reforms on banks' performance.,Emerging Markets Review, 72(1), 120. doi: 10.1016/j.ememar.2010.08.002
  • [10] Maudos, J., & de Guevara, J. F (2004), Factors explaining the interest margin in the banking sectors of the European Uni-on.,Journal of Banking & Finance, 28(9), 2259-2281. doi: 10.1016/j .jbankfin.2003.09.004
  • [11] Maudos, J., & Solis, L (2009), The determinants of net interest income in the Mexican banking system: An integrated model.,Journal ofBanking & Finance, 33(10), 1920-1931
  • [12] Manlagnit, M. c. V (20191), The economic effects of foreign bank presence: Evidence f-rom the Philippines.,Journal ofInternational Money and Finance, 30(6), 1180-1194
  • [13] Levin, A., Lin, C.-F., & Chu, C.-S. J (2002), Unit root tests in panel data: Asymptotic and finitesample properties.,Journal ofEconometrics, 108(1), 1-24. doi: 10.1016/S0304-4076(01)00098-7
  • [14] Klein, P. G., & Saidenberg, M. R (1998), Diversification, organization, và efficiency: Evidencef-rom bank holding companies.,Available at SSRN: https.7/ssm.com/abstract=98653 or http://dx.doi.Org/l 0.2139/ssm.98653
  • [15] Im, K. s., Pesaran, M. H., & Shin, Y (2003), Testing for unit roots in heterogeneous panels.,Journal ofEconometrics, 115(\), 53-74. doi: 10.1016/S0304-4076(03)00092-7
  • [16] lannotta, G., Nocera, G., & Sironi, A (2007), Ownership structure, risk and performance in the European banking industry.,Journal of Banking & Finance, 3KJ), 2127-2149. doi: 10.1016/j.jbankfm.2006.07.013
  • [17] Holmstrom, B.. & Tirole, J (1997), Financial intermediation, loanable funds, and the real sector.,The Quarterly Journal ofEconomics, 112(3), 663-691. doi: 10.1162/003355397555316
  • [18] Hernando, I., & Nieto, M. J (2007), Is the Internet delivery channel changing banks’ performance?,The case of Spanish banks. Journal of Banking & Finance, 31(4), 1083-1099. doi: 10.1016/j.jbankfin.2006.10.011
  • [19] Hasbi, M., & Dubus, A (2020), Determinants of mobile broadband use in developing economies: Evidence f-rom Sub-Saharan Africa.,Telecommunications Policy, 44(5), 101944. doi: 10.1016/j.telpol.2020.101944
  • [20] Hadri, K (2000), Testing for stationarity in heterogeneous panel data.,The Econometrics Journal, 3(2), 148-161. doi: 10.1111/1368-423X00043
  • [21] Goddard, J., Molyneux, P., & Wilson, J. o. s (2004), The profitability of European banks: A crosssectional and dynamic panel analysis.,The Manchester School, 72(3), 363-381
  • [22] Elsas, R., Hackethal, A., & Holzhauser, M (2010), The anatomy of bank diversification.,Journal of Banking & Finance, 34(6), 1274-1287
  • [23] Dinh, V., Le, ư., & Le, p (2015), Measuring the impacts of Internet banking to bank performance: Evidence f-rom Vietnam.,The Journal ofInternet Banking and Commerce, 20(2), 1-14
  • [24] Dietrich, A., & Wanzenried, G (2014), The determinants of commercial banking profitability in low- , middle-, and high-income countries.,The Quarterly Review ofEconomics and Finance, 54(3), 337-354. doi: 10.1016/j.qref.2014.03.001
  • [25] Dietrich, A., & Wanzenried, G (2011), Determinants of bank profitability before and during the crisis: Evidence f-rom Switzerland.,Journal ofInternational Financial Markets, Institutions and Money, 21(3), 307-327. doi: 10.1016/j.intfin.2010.11.002
  • [26] DeYoung, R., Lang, w. w., & Nolle, D. L (2007), How the Internet affects output and performance at community banks.,Journal of Banking & Finance, 31(4), 1033-1060. doi: 10.1016/j .jbankfm.2006.10.003
  • [27] DeYoung, R (2005), The performance ofInternet-based business models: Evidence f-rom the banking industry.,The Journal ofBusiness, 78(3), 893-948. doi: 10.1086/429648
  • [28] DeYoung, R (2001), The financial performance ofpure play Internet banks.,Economic Perspectives, 25(1), 60-73. Federal Reserve Bank of Chicago
  • [29] Delgado, J., Hernando, I., & Nieto, M. J (2007), Do European primarily internet banks show scale and experience efficiencies?,European Financial Management, 13(4), 643-671. doi: 10.111 l/j,1468-036X.2007,00377.x
  • [30] Davis, F. D (1989), Perceived usefulness, perceived ease of use, and user acceptance ofinformation technology.,MIS Quarterly, 13(3), 319-340. doi: 10.2307/249008
  • [31] Ciciretti, R., Hasan, I., & Zazzara, c (2009), Do Internet activities add value? Evidence f-rom the traditional banks.,Journal ofFinancial Services Research, 35(1), 81-98
  • [32] Calmès, c., & Théoret, R (2010), The impact of off-balance-sheet activities on banks returns: An application ofthe ARCH-M to Canadian data.,Journal ofBanking & Finance, 34(7), 1719-1728
  • [33] Bonaccorsi di Patti, E., Gobbi, G., & Mistrulli, p. E (2004), Testingfor complementarity between stores and e-commerce: The case of banking services.,Available at SSRN: https://papers.ssm.eom/sol3/papers.cfrn7abstractidM96063
  • [34] Blackbume, E. F., & Frank, M. w (2007), Estimation of nonstationary heterogeneous panels.,The Stata Journal: Promoting Communications on Statistics and Stata, 7(2), 197-208. doi: 10.1177/1536867x0700700204
  • [35] Berger, A. N., & Bouwman, c. H. s (2013), How does capital affect bank performance during financial crises?,Journal of Financial Economics, 109(1), 146-176. doi: 10.1016/j.jfineco.2013.02.008
  • [36] Berger, A. N (1995), The relationship between capital and earnings in banking.,Journal ofMoney, Credit and Banking, 27(2), 432M56. doi: 10.2307/2077877
  • [37] Beck, T., Chen, T., Lin, c., & Song, F. M (2016), Financial innovation: The bright and the darksides.,Journal ofBanking & Finance, 72,28-51. doi: 10.1016/j.jbankfin.2016.06.012
  • [38] Baele, L., De Jonghe, o., & Vander Vennet, R (2007), Does the stock market value bank diversification?,Economic Systems, 31(7), 1999-2023.
  • [39] Athanasoglou, p. p., Brissimis, s. N., & Delis, M. D (2008), Bank-specific, industry-specific and macroeconomic determinants of bank profitability.,Journal ofInternational Financial Markets, Institutions and Money, 18(2), 121-136. doi: 10.1016/j.intfin.2006.07.001
  • [40] Abbasi, T., & Weigand, H (2017), The impact ofdigital financial services on firm's performance: A literature review.,arXivLabs. doi: 10.48550/arXiv.l705.10294