The Influence Of Internet Finance On Commercial Bank Deposits Study

Internet financial convenient payment system,low cost,high yield,the advantages of the high liquidity,its rapid development constantly impact the traditional commercial bank's core business,make the bank threatened monopoly for a long time.Balance with unique financial management mode that treasure "third-party payment + money",this model is the upgrade of traditional pattern and innovation,is the Internet and the traditional mode of financial "crystalline",which makes people's consumption and financial habits slowly changed,quickly attracted a large number of users,and obtained their trust.This article selects the bank savings as explanatory variables,to exchange rate index,balance treasure yields,interest rate,CPI,per capita national income as explanatory variables,using the method of time series test and multiple regression,to a certain extent,balance treasure yields do have reverse effect on savings deposits,but due to the coefficient of smaller so it is concluded that the balance of commercial Banks treasure shunt effect is small.In the analysis of the specific data we mainly for balance Po online savings amount changes before and after the comparison,and to balance the treasure assets growth rate and the comparison between savings rate,the conclusion and the above empirical analysis,the balance at the beginning of the treasure in the online has a larger effect on savings,but in the subsequent stages of development impact gradually weakened and leveled off.Due to the rapid development of Internet,Internet financial also in full swing in the land development in China,the balance of treasure appearance conforms to the law of development of the market,adapt to the trend of The Times,but at the same time for the deposits of commercial Banks also caused a certain impact.To make Chinese traditional Banks can cope with the impact of the wave of financial and reduce the loss of customers,can also help the better development and alignment positioning,it is necessary to research and discuss the balance treasure the effects on the traditional commercial Banks in China,and put forward corresponding countermeasures for commercial Banks.