Tác động của đầu tư công nghệ đến hiệu quả tài chính tại các ngân hàng thương mại Việt Nam

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Tác giả: Lê Kiều Oanh Đào

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Kinh tế và Ngân hàng châu Á, 2024

Mô tả vật lý: tr.56-70

Bộ sưu tập: Metadata

ID: 397302

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Nghiên cứu này tập trung vào tác động của đầu tư công nghệ (ĐTCN) đến hiệu quả tài chính (HQTC) của ngân hàng thương mại (NHTM) tại Việt Nam giai đoạn 2012–2022 dựa vào phương pháp hồi quy đa biến. Kết quả dựa trên mô hình phù hợp nhất (GMM) chỉ ra rằng, ĐTCN ảnh hưởng cùng chiều đến tỷ số lợi nhuận ròng trên vốn chủ sở hữu (ROE) bằng cách tối ưu hóa quy trình nội bộ và cải thiện trải nghiệm khách hàng. Bên cạnh đó, tỷ lệ tiền gửi ảnh hưởng ngược chiều đến HQTC do tăng chi phí vốn. Tỷ lệ cho vay trên tài sản và tỷ lệ nợ xấu cũng ảnh hưởng đáng kể đến HQTC, trong khi tỷ lệ cho vay trên tổng tài sản có tác động cùng chiều thì tỷ lệ nợ xấu có tác động ngược chiều. Kết quả cũng xác định tăng trưởng kinh tế thường đi đôi với sự tăng cường hoạt động kinh doanh và HQTC. Kết quả nghiên cứu đã chỉ ra, cần tăng cường đầu tư vào công nghệ để tối ưu hóa quy trình và trải nghiệm khách hàng, cũng như quản lý tỷ lệ tiền gửi và nợ xấu một cách cẩn trọng để giảm chi phí vốn và cải thiện HQTC.This study focuses on the impact of technology investment on the financial performance of commercial banks in Vietnam from 2012 to 2022, based on a multivariate regression method with many models and selecting the appropriate model consolidated for research. Results based on the most suitable model (GMM) indicate that technology investments positively influence financial performance by optimizing internal processes and improving the customer experience. Besides, the deposit ratio negatively affects financial performance due to increased capital costs. Loan-to-asset ratio and lousy debt ratio also significantly affect financial performance, with the loan-to-total-assets ratio having a positive impact and the NPL ratio having a negative effect. The results also identify the relationship between economic growth and financial performance, with economic growth often going hand in hand with increased business activities and financial performance. Research results have shown the need to increase investment in technology to optimize processes and customer experience and carefully manage deposit and bad debt ratios to reduce capital costs and improve financial performance.

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