An Analysis Of The Impact Of Internet Finance On The Development Of Commercial Banks

The internet finance as the latest interpretation of financial in Internet domain, its development includes the respective characteristics of Internet and finance. From the angle of economics, social theories in the nature of the Internet financial, including the extremely low rise in transaction costs, more effective data analysis, all organizations and the promotion of bilateral platform function and the nature of finance includes: providing credit risk solutions, providing professional investment services, organizing payment organization, providing risk guarantee and providing financial license service. Through their respective elements combined with Internet and finance, the Internet financial is defined as: as a Internet platform, through the use of modern information technology to process and optimize the new financial business pattern which is different from direct and indirect financing, and this model is more nature established on the Internet, rather than on financial foundation, and through the Internet platform to guide the financial innovation and accelerate the flattening of social mobility, so “everyone involved in the finance ” can be realized, and the analysis of the current market in financial Internet. The competence of Internet finance derivatives six patterns, including: ①online asset management(MMF); ②the supply chain finance; ③P2P loans; ④ crowd-funding model; ⑤ the third-online party payment; ⑥ the internet-based financial products. To analyses the side effects and the game competition angles and the combination of industry cycle theory, the Internet financial and commercial banks to form the Internet financial "flying geese pattern of development" division, will take on a new Ecological Symbiosis concurrence will be undoubtedly fusion can be expected in the future Internet and banking industry.Through the analysis of current development of Internet and the financial industry, and the integration of financial and Internet elements to comparative study of the Internet Finance and commercial bank’s side effects, to establish the basis of coopetitive game models. Analysis the influence of the Internet Finance on the balance sheet of commercial bank core business and then carry out the study by qualitative andIV quantitative methods, so the conclusions are drawn as follows: a variety of models of the Internet financial will be corrode the commercial bank’s profits. Effect of which for the asset end services, there is a significant positive correlation between P2 P transaction scale and assets microfinance, which showed that the P2 P and the bank microfinance are the mutual promotion relationship between the complement each other.Expanding the quantity of M0 will bring positive growth in the credit of commercial banks; and the higher folk-loan interest rate will be negative to influence the small loans of banking services, which shows the risk of microfinance, and CPI index as an indicator of monetary inflation does not show effectively. Effect on the liability in the debt-side of the business, the positive person-savings of banking savings do not show the significant relationship with M0, but it indicates that the debt-side business of commercial banks to expand the robust support which requires the central bank monetary policy; the other way, the relationship between them does not show the personal savings-scale MMF product with the banking developments, but it shows that when both types of MMF products mainly treasure the high interest rates to obtain more funds admission which do not affect the amount of commercial banks’ overall personal savings amount of growth; and the Internet industry / GDP ratio with the personal savings scale which shows a significant positive correlation between the scale of the expansion of the Internet industry that will significantly affect the fusion demands of commercial banks on the Internet elements, it also suggests that the future of the commercial bank in transition will be more involved in the new ecological commercial Internet industry; for the impact of intermediate-income side, existence the correlation between the weaker Internet third party payment, net loan fund size, quantity of the currency M0 and listed bank intermediate business income. While the non-interest income of commercial banks with a positive correlation between the proportion of the intermediate business income, which shows that non-interest income will make future ascension when it transforms gradually relying on the non-interest business models to achieve the future transformation of commercial banks.The transition of the future banking will be concentrated in large financial data, mainly reflect in: the credit pricing abilities, developing-paying system and universal asset management in the impact of the financial internet.in its services. In the future financial consuming-groups, the segmentation demand of finance will greatly promote the common development of the internet finance and financial industry. Along with the rise of the Internet Finance and the formation of the symbiotic and ecology will gradually guide the financial consumer groups competing distribution by the Pyramid shaped to steering olive type, the future of the banking transformation and supplemented by the internet financial "catfish effect" into the next bilateral-platform value, more financial innovation implements will accelerate the establishment of symbiotic competing and coordinating financial-road.