IT투자 확대는 은행수익성 개선에 도움이 되는가?

Do Increases in IT Investments Improve Bank Profitability?

본고에서는 은행의 lT 투자가 은행의 수익성에 어떠한 영향을 미치는가를 살펴보기 위해 1991 년부터 2001 년까지의 16개 시중은행과 10개 지방은행의 자료를 사용하여 pooled OLS, 랜덤 및 고정효과모형, 패널 GMM모형을 이용하여 실증분석을 해보았다. 추정결과 모든 모형에서 은행의 IT 투자가 은행의 수익성에 긍정적인 영항을 미치는 것으로 나타났다. 그 외에도 은행소재지역별 GDP성장률이 커질수록, 그리고 은행의 총대출비율이 높아질수록 은행의 수익성은 개선되는 것으로 나타났다. 그렇지만 은행의 총자산규모와 예대마진변수는 통계적으로 유의하지 않은 것으로 나타났다.

As in advanced countries, Information Technology(IT) investments by domestic commercial banks have increased by more than seven times during the period of 1991 to 2001 and, accordingly, the share of IT investments budget in the domestic banks' total budget has increased significantly. However, it is far from certain whether increases in IT investments by banks help them improve their profitability. Using 16 nationwide banks' and regional banks' data during the period aforementioned, we analyze the effect of IT investments on bank profitability by a pooled OLS model. fixed and random effects models, and a panel GMM model. Our analysis demonstrates that the increase in IT investments by domestic commercial banks has contributed to improving bank profitability. The results were robust regardless of the models adopted in the analysis. In addition, it is shown that, as GDP in the region and the ratio of loans to total assets go up, bank profitability improves. However, total assets and interest rate margin prove to be insignificant.