基于持续期模型的网络金融创新产品扩散研究.pdf

第 29 卷第 8 期 东北大学学报(自然科学版) Vol. 29 , No. 8 2008 年 8 月 loumal of North出stern University(Natural Science} Aug. 2008 基于持续期模型的网络金融创新产品扩散研究 黄纬强，庄新鸡，姚夹 〈东北大学工离管理学院，辽宁沈阳 110004) 摘 要:针对我望银行业采纳网络金融创新产品{国际借记卡)的有为，运用持续期模型分析影响银行采 纳部新产品的因素，拮据部新产品扩散过程中的规律.实证研究结果表明:银行采纳创新产品的概率与银针规 模不存在显著的相关关系:银行的盈利能力越强，银行业务中表外业务所占的比重越大，业务量增长越快，其 采纳创新产品的概率就越大;现有银行卡交易越活跃，银行开发和推广偿新产品的激励就越小;自有商业银 行毛股份制商业银行和城市商业银轩在采纳部新产品的时间及部新产品扩散的速度上存在差异.研究结果可 以为我墨商业银行制定战略，管理部门掌握银行业发展的动态规律及摇定相关的法律、政策提供借鉴. 关键词:金融创新;创新产品;产品扩散 z 持续期模理:吕际借 i己卡 中噩分类号: F 062.5 文献辑 i只码 :A 文章编号: 1005-3026(2∞8)08-1200-04 Diffusion of e-Finance Innovations ?ased on Duration Model HUANG Weí-qiang , ZHUANG Xin-tian , YAO Sh uang (School of Busin四Admi nistration. North但stern University, Shenyang 11 ∞04 ， China. Correspondent: HUANG Wei-qi部毯， E-mail: hwqneu@ hotmail. rom) Abstract: The behavior of th岱e Chína s banks whích adopted an e-fínance innovation (ínternational debitαrd) is studied using the duration model to analyze the influencing factors on the banks decision to adopt innovations and seek for the laws of diffusion of innovations. The ernpirical results reveal that no signifi 四nt ∞rrelation is found between the size of bank and the probability of adopting innovations. The banks profitabili 町， the proportion of off-balance-sheet banking business and its operation load growth rate are 阳sitively correlated with the probability of adopting innovations.τhe more flourishing the existìng transactions via bank 臼r缸， the wεaker the banks incentive to develop and popularize the international debit cards. lt is found that there are discrepanci臼 between the state-owned, joint-stock and rnunicipal ∞