Đánh giá tác động của đầu tư công nghệ đến hiệu quả hoạt động và rủi ro phá sản của các ngân hàng thương mại ở Việt Nam
0
Ngày xuất bản Online:
25/10/2026
Chuyên mục:
Tài chính, Ngân hàng, Kế toán, Kiểm toán
Nội dung chính của bài viết
Tóm tắt
Trong giai đoạn cách mạng công nghiệp 4.0, công nghệ là một yếu tố không thể thiếu của các ngân hàng hiện nay. Tuy nhiên, các nghiên cứu ứng dụng về tác động của yếu tố công nghệ đến hiệu quả hoạt động của các ngân hàng Việt Nam còn hạn chế. Trong nghiên cứu này, tác giả sử dụng phương trình hồi quy với các phương pháp hồi quy gộp (Pooled OLS), phương pháp tác động ngẫu nhiên (REM) và phương pháp tác động cố định (FEM) sau đó khắc phục các khuyết tật bằng phương pháp bình phương tối thiểu (GLS). Cuối cùng dùng phương pháp tổng quát thời điểm (GMM). Kết quả là việc đầu tư vào công nghệ có tác động tích cực đến RAROA, RAROE, tuy nhiên lại có ảnh hưởng tiêu cực đến NIM của các NHTM Việt Nam trong giai đoạn 2010 – 2023. Bên cạnh đó, cũng tìm thấy mối liên hệ giữa đầu tư công nghệ, quy mô tổng tài sản, vốn chủ sở hữu, năng lực quản trị chi phí, tỷ lệ thanh khoản và tỷ lệ nợ xấu với các chỉ số hiệu quả hoạt động và rủi ro phá sản của các ngân hàng. Dựa trên kết quả này, tác giả đề xuất một số khuyến nghị cho các nhà quản trị ngân hàng để cải thiện hiệu quả đầu tư công nghệ trong thời gian sắp tới.
Abstract
In the era of the Industrial Revolution 4.0, technology is an integral part of banking today. However, applied studies of the impact of technological factors on the operational efficiency of Vietnamese banks are limited. In this study, the authors used regression equations with pooled OLS, random impact (REM) and fixed impact (FEM) methods and then fixed defects with minimal equations. (GLS). Finally, the time generalization method (GMM) is used to correct the endogenous phenomenon of the model. As a result, investment in technology has a positive impact on RAROA, RAROE, but has a negative impact on NIMs of Vietnamese NHTMs in the period 2010-2023. In addition, it also found a link between investment in technology, the size of gross assets, equity, cost management, liquidity and bad debt rates, and indicators of bank performance and bankruptcy risk. Based on these findings, the author proposes a number of recommendations for bank regulators to improve technology investment efficiency in the foreseeable future.
Chi tiết bài viết
Lĩnh vực kinh tế (JEL Codes)
G21 - Banks • Depository Institutions • Micro Finance Institutions • Mortgages - Financial Institutions and Services
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Trích dẫn bài báo
Phạm, K. D., & Vũ, T. K. N. (2026). Đánh giá tác động của đầu tư công nghệ đến hiệu quả hoạt động và rủi ro phá sản của các ngân hàng thương mại ở Việt Nam. Tạp chí Nghiên cứu Tài chính - Marketing, 17(5). https://doi.org/10.52932/jfmr.v17i5.849