譯文（字數 7276）：

觀測網上銀行對銀行業績的影響：越南的數據

Van Dinh, Uyen Le 以及 Phuong Le

財政金融學院，VNU經濟商業大學，河內，越南

摘要

網上銀行是銀行業中的一種創新業務。然而，關于網銀對銀行業績影響的研究很少見。在越南，最近沒有研究被研究人員發起。本課題主要目的是評估網上銀行在2009-2014間對銀行業績的影響（獲利能力比率，非利息營業外支出和收入）。該研究采用隨機效應模型（REM）和固定效應模型（FEM）來估計網絡指標與銀行業績之間的關系。從回歸模型的結果顯示，網上銀行通過增加附加服務活動的收入對銀行盈利產生影響。然而，這種影響程度較低并且具有超過3年的滯后時間，這比以前的研究需要更長的時間。

關鍵詞：網上銀行；商業銀行；性能比；服務通道

外文原文（字符數 24386）：

Measuring the Impacts of Internet Banking to Bank Performance:

Evidence from Vietnam

Van Dinh*, Uyen Le and Phuong Le

Faculty of Finance and Banking, VNU University of Economics and Business, Hanoi, Vietnam

Abstract

Internet banking is an innovative service in the banking industry. However, researching about the impact of internet banking to bank’s performance is rarely seen. In Vietnam, no research has been found recently by researchers. The main objective of this study is to evaluate the impact of internet banking to performance (profitability ratios, noninterest operating expenses and incomes) of banks in Vietnam in the period from 2009-2014. The study uses random effect model (REM) and fixed effect model (FEM) to estimate the relationships between Internet indicators and bank’s performance. The results from the regression model showed that internet banking had an impact on bank profitability through an increase of income from service activities. However, the impact level was low and had a lag time of over 3 years, which is longer than findings from previous studies.

Keywords: Internet banking; Commercial bank; Performance ratios;Service channel