| In recent years,new technologies such as Internet technology and mobile communications have developed rapidly,urging a wave of Internet finance platform soared to sweep the entire banking industry.Internet finance platform has attracted a large number of customers by virtue of convenient and popular models favored by customers,competitive transaction costs,rich and varied financial products and services,which has affected and challenged the commercial banks that have long relied on interest margins for " wait for profit ".This series of influences and challenges also force commercial banks to adapt to the trend of the times and to innovate profitable models to maintain their own industry status.By reviewing the latest research literature on the definition of Internet finance platform and the impact on commercial banks at home and abroad,and then put forward the connotation of the main platform of Internet finance,classification and profit path of the main platform of Internet finance.Through the classification of the main platform of Internet finance and various profit paths,we hope to draw the theoretical influence of the rise of the three major platforms of Internet finance on the profitability of commercial banks.Through the empirical analysis,the current size of the three platforms of Internet finance is a positive or negative impact on commercial banks,and whether the impact is significant,which is of great significance for commercial banks to formulate and implement the corresponding countermeasures.The results obtained from the combination of theoretical analysis and empirical research,in theory,puts forward various coping strategies,strengthen the training of relevant technical personnel and the parties to the Internet finance platform to deepen pragmatic cooperation and other countermeasures and suggestions,which can provide a reference for China's commercial banks to improve profitability and enhance competitiveness. |
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