基于我国2015年第三季度10家商业银行互联网金融指数以网上银行为例和相关银行总资产数额的截面数据，对我国互联网金融创新与银行绩效之间的关系进行实证研究，设定回归模型并对回归系数做t检验的统计分析，对模型进行异方差性检验，得出与散点图一致的结论：银行总资产(Y)和网银交易份额（X）接近线性关系，网上银行交易份额对银行资产增长有正的显著影响。%Based on the cross-sectional data about 10 major banks’Internet financial index that take online banking as example and the amount of total assets to the related banks in the third quarter of 2015, An make to empirical study on the relationship between Internet financial innovation and bank performance in China, set up regression model and make T test statistical analysis of the regression coefficient, as well as the model of anisotropic difference test, get the same conclusion as the scattered point diagram:Bank’s total assets (Y) and online banking transactions share (X) are closely to linear relationship, the share of online banking has a significant impact on bank asset growth.
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