Research On The Impact Of Internet Finance On China 's Commercial Banks

In recent years,along with the continuous development of financial technology,the Internet financial industry has mushroomed to develop.On the Internet finance,the practice of the industry is also in full swing.First,the Internet companies to enter the financial industry.For example,Alibaba and Tencent participated in the first batch of private banks pilot project,they launched the Alipay and prestige in third-party payment which occupy this more obvious advantage of the position,at the same time,Ali launched the balance of treasure to a certain extent for the fund industry has caused a significant impact.Second,the regular financial sector is also rapidly expanding its own online business.For example,some banks actively promote e-commerce,such as the Bank of China launched the "cloud shopping",ICBC launched by the E financial,etc.At the same time,some banks also imitate Ali,launched a similar to the balance of treasure business.Finally,those who are not part of the Internet business,nor is the financial sector of the private sector is also beginning to develop P2 P forgetting with the financing and a series of new financial forms,of which the development of P2 P network loans is particularly rapid.It is in this context,this paper is based on the current situation of Internet finance and commercial banks,re-comb the relationship between the two,from the theoretical level of comparison between the merits of the case from the relationship between the data analysis.The paper puts forward the business model of the Internet,and puts forward its business model as "deposit","loan" and "exchange".It provides the direction for the transformation of commercial banks,"Sink" business carried out a specific analysis of the affected path.And concluded that the impact of commercial banks was reflected in the real profits,which is mainly reflected in both the fee and net interest.In addition,this paper takes the China Everbright Bank as an example to carry out some quantitative analysis of its handling fee and net interest.On the basis of the analysis,it clarifies the reform mode of China Everbright Bank and makes an in-depth study on its online business,and puts forward that commercial banks will Consolidate the traditional advantages,do "zero distance","big data","all-round" banks,for the development of commercial banks to advise on the future development of Internet banking and commercial banking online business bold direction.