Research On The Influence Of The Commercial Bank Profitability By Internet Financial

Internet financial (ITFIN),Which is a new financial business model that the Internet and information technology applied to capital financing, investment, and information intermediary. The"twelfth five-year" national strategic emerging industry development plan" clearly put forward to accelerate the development of the Internet financial and promote China's information industry gradually stronger, which is beneficial to promote the development of the whole national economy. The support of the government establish the foundation that Internet finance sustained and rapid development for a long time. So far the Internet company has begun to financial industry overall layout and affects the current financial system in our country, Especially in banking businesses.For now, the research focuses on the qualitative analysis on the level of theory, whose research focus is mainly around the internet financial impact on the banks of the degree, specializing in the impact to commercial bank profitability and profit is less.However,when analyzing a thing to another about the degree of influence and good or bad, we have to be reviewed not only from the theoretical, but also from the amount to be demonstrated.So quantitative analysis the impact of internet financial to commercial banks profitability is important and significance both in practical and theoretical.This paper based on analysis the development of the Internet financial model and current situation of its development.Thus further study found that internet financial has affected of commercial bank on its assets, liabilities,intermediary business and management pattern,and accordingly will affect the interest income, bank cost and non-interest income of commercial banks, ultimately affect the commercial banks'profitability. In this paper I selects 16 commercial banks in a-share market as the research object and selects indicator variables from the two aspects of commercial bank itself and the external environment.And using the SPSS 17.0 gets on multiple regression analysis. The result of regression analysis shows that:(1) The P2P network credit negative linear correlation to the commercial bank profitability and has passed the confidence level of 0.05,which means the influence degree is general significantly. (2)The third party to pay for the profitability of commercial Banks was no linear correlation,and the relationship between the profitability is much more complicated. At last, from commercial banks interest income and non-interest income and banking cost three levels make suggestion of banking to deal with the impact of internet financial.Specifically, Commercial banks in the interest level:reform and innovation should focus on market and customer orientation, about Commercial Banks on the interest income bracket:innovation should focus on market and customer orientation and strengthen cooperation with internet companies or e-commerce platform. On the level of non-interest income, to develop payment and settlement business, rich types of financial product and provide full-service service. The cost level of commercial banks can develop special financial products and establish comprehensive network sales platform.