A Study Of Influences Of Internet Finance Mode On Traditional Commercial Banking In The New Period And Countermeasures

Based on the rapid development of the Internet financial,specific studies on the financial impact of the internet on the commercial bank,the industrial and commercial bank as a concrete example of that specific financial impact of the Internet to the industrial and Commercial Bank of China is mainly manifested in the financial impact of the Internet on the basic business of the industrial and commercial bank;financial impact of the Internet on the commercial bank credit market the degree of competition;the financial impact of the Internet on the cooperation mechanism of the industrial and commercial bank.According to previous research methods on the effect of foreign banks entering the industrial and Commercial Bank of China,the use of SVAR to study the impact on the business model of Internet financial scale of the industrial and Commercial Bank of China,and tested using Eviews software,show the influence of each variable in pulse graph.Using three party game theory to verify the "Internet +" cooperation in different industries is an inevitable trend.And puts forward the Countermeasures for the cooperation of the two parties,so this paper has practical significance for the research of the specific bank.First,access to relevant articles,web pages,combing the development of Internet banking at home and abroad,as well as the development of the background and reason,compared to the history of the development of Internet banking at home and abroad,the development of the status quo.Secondly,this paper combined with the specific influence of the rapid development of China's Internet banking brings to the basic business of the industrial and commercial bank,using SVAR model to study the impulse response analysis and variance analysis show the financial impact of the Internet brings to the industrial and Commercial Bank of deposit loan.Again,this paper analyzes the credit market in the Internet banking is gradually threatened by industrial and Commercial Bank of China as the representative of the monopoly status of commercial banks.Through the use of competitive monopoly model makes the floating found the size of bank loans will reduce the loan demand curve,marginal revenue curve,in order to maintain the economic profit of banks will reduce lending rates unchanged,although not to replace the Commercial Bank Monopoly,but this should permit banks will go "Pratt&Whitney" direction of development.Again,because China is a combination of planned economy and market economy,with the deepening of Internet banking will affect the cooperation mechanism of industrial and Commercial Bank of China,the government is also an important external factors affecting cooperation mechanism.This chapter uses the three evolutionary game analysis method to calculate the different ways of cooperation between the Internet financial,industrial and Commercial Bank of China and the government of the three profit,draw the route three game can be found,the three will eventually tend to cooperate and verify the "Internet +cooperation" in different industries is the inevitable trend.Finally,the cooperation between the two sides put forward a summary and recommendations.