The Impact Of Internet Finance On The Performance Of Commercial Banks In China

With the development of Internet finance and the declaration of “Internet+”,there is a new trend in finance industry.The technology of big data and cloud computing help the finance activities to be more convenient and easier.The combination of Internet and finance becomes Internet finance.The internet finance such as Alipay has developed faster and faster since 2013 and the marketing environment of business bank has been changed.The traditional finance market are facing challenges with the development of crowdfounding,P2 P business,the third party payment,Internet credit business,Internet currency and so on.As an important part of finance market,business banks are also influenced by Internet finance.The influence of Internet finance to business bank performance has become a central issue.This article's topic is the influence of business bank to Internet finance performance.Firstly,according to literature about Internet finance?business bank performance and impact of Internet finance on business banks,this article concludes the features of Internet finance.Secondly,this article analyze the theory of the third party payment,P2 P,and crowd founding and conclude the Internet finance how to influence the commercial banks' performance.According to the result,this article raise the hypothesis and then choose variables and constructs.The data is collected from GTA and WIND database,FLUSH data center,iresearch internet and business bank internet,which include the information of 15 business banks and internet finance since 2010 to 2015.Finally,based on the model and data,this article research the correlations among these variables and draw the final conclusion.The conclusions are as follows:Firstly,the third party payment negatively influence the business bank performance.Secondly,P2 P positively influence the business bank performance.Thirdly,the crowd funding has no influence to the business bank performance.