4896 
7081商业银行进行专利研发或寻求外部合作的初衷都是为了助力其数字化转型，提升在获客、风控和盈利等方面的效率。而商业银行应自主研发还是与外部合作来实现创新，是一个值得探讨的问题。文章通过对银行专利文本的分析及相关新闻的检索，提出了“引领式”创新、“跟随式”创新和“合作式”创新三种金融科技创新路径，并考察了不同创新路径对商业银行经营效率的异质性影响。研究发现，对大型银行来说，“引领式”创新和“跟随式”创新均能显著促进其小微企业信贷业务、风险管理能力和经营绩效，其中“引领式”创新的促进作用更加明显；对中小银行来说，“引领式”创新和“跟随式”创新对其小微企业信贷业务、风险管理能力和经营绩效的促进作用不明显，而“合作式”创新的促进作用则比较显著。文章的研究不仅在切入角度上有所创新，丰富了相关领域的研究内容，还为银行创新模式的选择提供了参考依据。
金融科技创新路径选择与银行经营效率
摘要
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引用本文
蔡岑, 殷晓晴, 陈选娟. 金融科技创新路径选择与银行经营效率[J]. 财经研究, 2023, 49(3): 19-33.
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