An Empirical Study Of The Impact Of The Internet Finance On The Main Business And Management Efficiency Of Commercial Banks

The internet finance is a new finance mode which is based on the techniques of computer,Internet,cloud computing,big data analytics,e-commerce and so on to achieve credit rating,identify risk and circulate funds.In recent years,with the rapid development of Internet technology and e-commerce,the internet financial not only quickly blends in our daily life,but also changes the financial structure which is based on the traditional commercial banks.Such as the Alipay,Tenpay and so on,the third-party payment platforms reduce the payment ability of the commercial banks.The Peer to Peer and crow-funding raising innovation in the field of micro-loan,shunt the deposit and loan from the commercial banks and shake the commercial banks in credit intermediary.Represented by Yu-e-bao,the internet products have affected the commercial banks.With the connotation and extension of the Internet financial continues to evolve,it has brought unprecedented challenges to the commercial banks.Based on this background,under the new competitive landscape how do the commercial banks speed up the transformation of the traditional business model and compete and fuse with the Internet financial.It will have important practical significance.The paper lists the related achievements in both China and abroad researches.It uses the method of theoretical analysis and empirical analysis to explore the third-party payment and Peer to Peer which are two influential models of Internet financial,bring impact on our country's commercial banks main business and management benefit,and draw the following conclusions: The first,to a certain extent,the third party payment reduce the operating efficiency of commercial banks.Through the empirical analysis,we find that the third party payment can make the intermediary business income of the commercial banks and the profit ability decrease.Second,the Peer to peer will reduce bank loan business,but profitability was slightly improved.The fist innovation of this paper is the innovation of research method.This paper establishes the model to measure the influence of the third party payment and Peer to Peer on the main business and business efficiency of commercial banks,which is the first time in Internet banking empirical research.The second innovation is the innovation of research conclusion.And most of the scholars of the Internet banking on the formation of the impact of the traditional business,the conclusion of this paper,through empirical research found that Peer to Peer decrease the loans of commercial bank,but also makes the profitability has improved,the main reason is that the Peer to Peer forced the commercial bank to restructure and develop,and formed effective "catfish effect".