金融创新对银行贷款组合的影响——以肯尼亚商业银行为例

IF 2.8 3区 经济学 Q2 BUSINESS, FINANCE
Malit E.O, O. Nelson, Scholastica A.O
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引用次数: 0

摘要

目的:探讨金融创新对肯尼亚商业银行贷款组合的影响。主要问题是,尽管银行实施了金融创新,但不同研究的相反结果表明,从数量和质量上看,贷款吸收水平仍不清楚。过去关于肯尼亚的大多数研究所涵盖的研究时间相对较短,可能无法可靠地捕捉到金融趋势,尤其是考虑到金融部门的迅速变化所造成的金融研究的保质期较短。方法:本研究采用实证主义哲学。它是基于相关研究设计。这项研究的目标人群包括肯尼亚中央银行许可在肯尼亚提供金融和其他银行服务的所有42家商业银行。采用目的抽样方法,选取12家CMA / NSE上市银行作为样本。采用二次数据。这些数据来自上市商业银行、CMA和CBK 2007年至2017年的经审计财务报告。采用面板数据分析的固定效应和集合回归对数据进行分析。结果:研究结果表明,金融创新对商业银行贷款组合存在显著的正向影响。结果表明,总体r平方为0.5928。这意味着,在保持所有其他因素不变的情况下,平均而言,59.28%的贷款变化可以用金融创新来解释。这表明,如果肯尼亚的银行实施更多的金融创新,以贷款组合衡量的财务绩效将会提高。根据调查结果,该研究得出结论,商业银行已经在各个领域实施了技术创新,如电子转账、分行联网和移动银行,这些技术创新改善了银行的贷款组合。在理论、实践和政策方面的独特贡献:本研究建议商业银行应采取对贷款组合产生积极影响的金融创新。它应向政府、政策机构、行业参与者和利益相关者发出信号,重新制定以金融为导向的创新战略,以改善政策框架,以精简金融部门,特别是银行业。本研究提供了学术参考的文献和数据,也为银行和其他投资者的投资提供了指导
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Effect of Financial Innovations on Banks’ Loan Portfolio: A Case of Commercial Banks in Kenya
Purpose: The study sought to investigate the effect of financial innovations on loan portfolio of Commercial Banks in Kenya. The main problem was that even though banks have implemented financial innovations, the level of loans uptake in terms of volume and quality remains unclear as indicated by opposing findings by different studies. Most past studies on Kenya have covered relatively shorter study periods which may not reliably capture the financial trends, more so given the short shelf life of financial studies caused by rapid changes in the financial sector.   Methodology: This study adopted Positivism philosophy. It was based on correlational research design. The target population for the study comprised of all of the 42 commercial banks licensed by the Central Bank of Kenya to provide financial and other banking services in Kenya. Purposive sampling technique was used to select the sample of 12 CMA / NSE listed banks. Secondary data was used. They were obtained from audited financial reports of listed commercial banks, CMA and the CBK in the period 2007 to 2017. The data was analyzed using fixed effect and pooled regression of panel data analysis. Results: The findings of the study indicated that there is positive and significant effect between financial innovation and loan portfolio of commercial banks. The findings indicated that the overall R-squared was 0.5928. This means that on average, 59.28 percent of all variations in loans are explained by financial innovation, holding all other factors constant. This indicates that if the banks in Kenya implemented more financial innovations, the financial performance measured by loan portfolio would increase. Based on the findings, the study concluded that commercial banks have implemented technological innovations in various areas such as EFT, Branch networking and Mobile banking which have improved the banks’ loan portfolios. Unique contribution to theory, practice and policy: The study recommended that Commercial banks should adopt financial innovations that would positively influence loan portfolio. It shall signal the government, policy institutions, industry players and stakeholders to re-strategize finance-oriented innovations with the view to improve policy framework in order to streamline the financial sector, especially banking. The study offers literature and data for academic reference as well as guidance for investment by banks and other investors
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CiteScore
5.70
自引率
6.90%
发文量
143
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