The Research On The Influence Of Which The Internet Finance Has On The Traditional Finance And The Regulatory Policy

Due to the update and rapid development of network and computer technology,the traditional business mode has been gradually overturned by the new model,of course,including financial industry.Internet finance-this new economic development has become a hot searching term,especially the loans on the Inernet(P2P),crowd funding and the third-party payment push the tide of financial innovation on the Internet finance,which have challenged the current traditional finance.This paper reviews the related definition,mode and specific business of the Internet finance,and analyzes the impact of the Internet finance on the traditional finance.On this basis,the model of transaction cost principle and game theory are used for analyzing the economic efficiency of the Internet finance and comparing the characteristics and advantages with the commercial banks.And this paper further analyzes the influence of the third party payment on the commercial banks from the perspective of the income of the commercial banks,reaches an conclusion that the Internet finance has certain effects on the commercial banks in non-interest income and deposit-loan terms,and the commercial banks need to make strategic adjustment targeted.Then through elaborating the development of the network credit,it is concluded that the Internet finance has a great impacts on the cost of market financing and promoting interest rate of the commercial bank marketization.In the part of risk analysis,this paper proposes five kinds of risks of the Internet finance according to the current situation and the future forecast,detailed analyzes the regulatory status and risks of the formation of the causes and hazards,and sums up five regulatory measures like government regulation combined with the industry self-regulation.In the end,this paper forecasts the future opportunities and challenges that the Internet financial industry may face,and describes a vision that the traditional financial combines with Internet finance from the practical significance of the healthy development of the whole industry.