The Empirical Research Of Commercial Banks' Light Transformation Based On The Angle Of Topological Structure

At present,the whole economic environment in China has undergone a new change.In the final analysis,people's life style has changed.This has led to the social leading economic sectors which have also followed the change.Of course,this change also has spread to the capital market.Among them,the marketization of interest rate trend of the capital market is becoming more and more obvious.For this,domestic commercial banks have to look for new profit models.With the great diversity of domestic economy development,so many enterprises and residents have constantly produced a variety of financial demands.Born in the internet era,the new platform companies,as the new leading industry of domestic economy after the heavy industry transformation,have prompted many traditional industries have to change the original business model of their own.This paper introduces three models of the topology structure.From the star structure,the platform company can successfully collect a great many of industries into its platform ecosystem in order to create more social value.By the way of Internet business and the star structure operation model,the company of star structure has gradually penetrate its power into the area of traditional commercial bank business fields.Facing the concussion of the new operation model,the commercial bank must get adjustment.The transformation of commercial Banks to the asset light service is the transformation of light.This paper introduce the star topological structure represented by internet financial platform,mobile payment platform,as well as the big data application platform how to commercial banks business development.In order to fully elaborate the huge influence from the star company,this paper will make empirical analysis from the angle of internet finance and mobile payment,and this paper will make sure the further direction of the transformation of commercial banks.From the statistical comparison,the roe of commercial bank?internet finance industry and mobile payment industry has clear positive correlation.However,domestic commercial bank still has more adjustment space.In the new era,domestic companies and individual consumers have got more diversified financial demands,with the wave of internet finance,domestic commercial bank will be sure to make timely strategic adjustments.