The Study On The Influence Of Internet Finance On The Development Of Commercial Banks

In recent years,the scale of Chinese Internet users has continued to grow.With big data,cloud computing,mobile Internet and vertical search engines as the representative of the Internet technology have been constantly updated.But with the advancement of social reform,the adjustment of economic structure has generated a lot of consumer credit demand and much demand is difficult to meet from traditional financial.In this context,Internet finance has gotten fast development.This brings a certain impact to commercial banks as a representative of traditional financial institutions.Internet finance is both a challenge and an opportunity for commercial banks.It has both a negative side and a favorable side.On the one hand,commercial banks can find ways and means of financial innovation from the development of Internet finance,and strengthen business innovation and enhance competitiveness.On the other hand,Internet finance has also brought some adverse effects to commercial banks.This paper's research objects are the development of the Internet finance and the influence on commercial banks.In particular,the adverse effects are the focus of the study.Starting from the development status of the Internet finance,this paper analyzes six major financing modes,including P2 P net loan,crowd-funding,the third-party payment,the financial network marketing,the Internet consumer finance and the Internet supply chain.Through the analysis of the Internet finance,it can be found that the Internet finance presents some characteristics with a multi-dimensional acquisition and in-depth use of information,disintermediation and the backstage of traditional financial.The Internet finance will break the traditional financial operation patterns and has long tail economy and scale effect significantly.In the future,the Internet finance will have a breakthrough in the account integration,data sharing and full demand coverage.Then,it analyzes the impact of Internet finance on commercial banks from two aspects,including status analysis and quantitative analysis.Compared to the development of Internet finance and commercialbanks,it can be found that the banking sector looks sluggish as a whole.The performance is declining and non-performing loan ratio is rising.The Internet finance is showing a shift in the trend.The Internet finance competes with banks in multiple business areas of commercial banks,including deposits,loans and intermediate business areas,etc.The quantitative analysis is from two aspects.First,this paper studies the impact of Internet finance on the supply of liquidity of commercial bank by deconstructing a segmented market model.Second,this paper studies the impact of Internet finance on the benefit of commercial banks by deconstructing a time series model.From the point of view of Internet technology and mode innovation,this paper puts forward some suggestions for commercial banks to weaken the adverse effects of Internet finance.Based on the above research,the following main conclusions are drawn: First,The Internet finance is showing a shift in the trend.Internet finance has a significant impact on the profitability of commercial banks,and the direction of the impact is negative.The faster of the growth of the Internet finance,the worse of the benefit of the commercial banks.Second,on the supply of liquidity of commercial bank basic functions,if the Internet finance has technical advantages of commercial banks or their own advantages are better,its competitiveness is superior to the commercial banks in the field of liquid products.Related business income of commercial banks will be affected.The innovation of this paper lies in: First,the perspective is relatively novel.Internet finance as a new financial format is different from the traditional financial intermediaries.The impact analysis for commercial banks is relatively less.At present,the relevant research of the domestic Internet finance belongs to the forefront of research.The topic of this paper is close to the hot spot.Second,this paper uses the segmentation market model and empirical analysis method to study the impact of Internet finance on commercial banks,and use status analysis to prove the results.It is more accurate.