基于复回归模型分析新兴互联网金融对传统农村金融的影响因素研究摘要近年来,在互联网金融飞速发展下,已经发展出了网上银行app;各种第三方互联网金融平台并推出琳琅满目的新型理财产品;移动支付;支付宝余额宝和微信零钱通等理财钱包式产品。本文为研究新兴互联网金融对传统农村金融的影响，在采用基于复回归模型的基础上，构建新的复回归模型并进行脉冲响应分析。得出结论：互联网金融与传统商业银行业务之间既互相竞争又互利互补，互联网金融的存在对我国传统金融改革具有强制倒逼作用，促使了我国传统金融机构服务方式和业务模式日趋完善。关键词：复回归模型；新兴互联网；农村金融ResearchontheinfluencingfactorsofemergingInternetFinanceontraditionalruralfinancebasedonmultipleregressionmodelAbstractInrecentyears,withtherapiddevelopmentofInternetfinance,wehavedevelopedonlinebankingAPP,variousthird-partyInternetfinancialplatformsandlaunchedavarietyofnewfinancialproducts,mobilepayment;Ailpay;Yuebao;Wechatandothermoneymanagementwallet-likeproducts.InordertostudytheimpactofemergingInternetFinanceontraditionalruralfinance,thispaperconstructsanewmultipleregressionmodelbasedonmultipleregressionmodelandmakesimpulseresponseanalysis.ItisconcludedthatInternetFinanceandtraditionalcommercialbankingbusinesscompetewitheachotherandcomplementeachother.TheexistenceofInternetfinancehasaforcedeffectonChina'straditionalfinancialreform,whichpromotestheimprovementoftheservicemodeandbusinessmodelofChina'straditionalfinancialinstitutions.Keywords:multipleregressionmodel;EmergingInternet;Ruralfinance目录一、引言...........................................................................................................................1二、新兴互联网金融的含义及主要特点.......................................................................1（一）新兴互联网金融的含义................................................................................1（二）新兴互联网金融的主要特点........................................................................1三、中美新兴互联网金融对传统商业银行影响的对比................................................2四、新兴互联网金融对传统农村金融影响因素的实证分析........................................2（一）基于复回归模型下的实证分析.....................................................................2（二）银行系统性风险的测算与突变分析.............................................................31.银行系统性风险的测算指标提取..................................................................32.面板单位根P检验及Granger因果检验.......................................................43.模型估计.........................................................................................................54.脉冲响应分析.................................................................................................85.模型验证.......................................................................................................10五、结论.........................................................................................................................11参考文献.........................................................................................................................12一、引言随着信息技术的到来和电子商务的发展，一种新的金融业互联网融资模式应运而生。新兴互联网金融有助于优化金融市场，提高资金的优化配置，对传统的农村金融业产生了一定的影响。传统农村金融的投资收益主要是通过吸引存款、提供贷款、逐步降低传统商业银行的信...
