Intemet Finance Model And Its Impact On Commercial Banks

The Internet, in particular, search engine, cloud computing, social networking and mobile payment and other modern information technology will bring great changes to human financial mode. Looking back over the past ten years, in books, music, communication, retail and other fields has appeared similar change. The reality in the field of financial supply and demand directly to make the match on the Internet, mobile payment, alipay, Yu E Bao, P2 P loans, Ali-loan and other forms of financial innovation services, triggered the disintermediation of financial institutions, has brought challenge to the function of commercial bank payment and settlement, financing, financial management etc.. At the same time, the Internet finance as emerging things,, its development has suffered the dispute, therefore, research on Internet financial mode, To find out the influence mechanism to the business of commercial bank, is beneficial to the entire financial industry scientific and orderly development.This paper studied the Internet finance mode and its impact on commercial banks. Through the literature review to clarify the concept of Internet finance, and the Internet Financial format into class for Internet payment and settlement, financing and financial products sales network in three categories. On this basis, focus on the analysis of business mode of Ali Finance, expounds the mechanism of influence of Internet finance business of commercial banks. Using scenario analysis method, event analysis method, finally, according to the analysis and demonstration above, for the commercial banks to deal with the Internet finance challenges and puts forward suggestions.The Internet finance of commercial bank payment and settlement business, loan business, the empirical results show that, Internet payment and settlement business to reduce 4.7% of net profit of commercial banks, through the structure adjustment, and gradually realize the electronic business, to reduce the impact of Internet payment and settlement business; financing business, has great advantage in compared the loan mode and traditional mortgage financing mode, in saving tax cost, obtain the fund returns and stable cash flow, but higher than bank mortgage mode in financing costs, Internet finance is supplementary to the management of commercial bank; network financial products sales business analysis, event analysis method shows that the appearance of Yu E Bao is negative news for the commercial banks. The news caused negative short-term performance of commercial bank, but then tends to be stable stock returns, shows that it will not cause the subversive influence on commercial bank, but accelerated the process of the reform and innovation of commercial banks.