A Study On Profits Model Of Commercial Banks Under Internet Finance In China

In recent years, with the rapid development of world economic, the rapid development of Internet technology, people pay more attention to Internet financial. There are many types of the profits model of Internet financial, such as the third party payment, Crowdfunding, P2 P, etc., these innovations impact on the profits model of our country commercial bank, insurance, funds, securities and other traditional financial institutions. Internet finance have a great impact on the profits model of commercial bank which the interest income is a main source of income in China, the management of the homogeneity and profit competition pattern has been outdated, Internet finance has promoted the innovation and reform of the financial industry in our country and brought the challenge and opportunity for our commercial bank.Along with the rapid development of Internet technology, Internet financial rise up fast, people changed the traditional habits and customs gradually which effect on the traditional profits model of our commercial bank. Internet finance rise up in 2013, Yue E Bao as a famous product of Alibaba has collected fragmentation of the wealth of people, then all sorts of treasure products appeared, monetary fund products quickly, its facilitation, trivializes situated and high-yield characteristics brought together a large number of scattered money, deposit business of commercial Banks in China has brought a certain diversion effects; In addition, the development of the Internet such as the financial P2 P financing products, have influenced on the traditional loan business of commercial banks in China, thus it can be seen that the Internet financial to interest income to our country as the main source of income of commercial Banks has brought challenges.At first, this paper provides an overview of the Internet financial definition and analysis the characteristics of the Internet financial, especially the characteristics of Internet financial in profits model, and then introduce the profits model of our traditional commercial banks, mainly from the profits model of commercial banks, analyzing the present situation and problems of positioning and profit structure profit structure from two aspects of commercial bank interest income and non-interest income, and the interest income proportion of our country commercial bank is too high, to strengthen of non-interest income business accounted, on this basis. Then the paper discusses the influence of the profits model of commercial banks impacted by Internet financial, mainly from the payments, deposits and financing to analyze three major traditional business of commercial bank. Based on the above analysis and discussion, this paper enumerates the commercial banks in the typical case of ping an bank, this paper analyzes the present situation and the profit pattern of PING AN BANK to handle the profit pattern of Internet financial practice, building Internet financial platform, developing new business and cooperating with Internet companies, innovation of the traditional profit model could bring more profit gains or income expectation, which sets a good example for the traditional commercial banks in China. Finally combining with the theory and case analysis, the paper puts forward some countermeasures for the development of the profits model of commercial bank in our country impacted by Internet finance.