The Impact Of Internet Banking On The Profitability Of Commercial Banks

In the current information age,the development of the network has been firmly into the people to occupy part of our lives,Internet finance,which is actually a financial network and a new financial model,will naturally has a certain impact on traditional finance.There are many scholars who study the impact of this new type of financial on traditional finance having different opinions.The study of the impact is mainly to explore the impact of Internet finance on the profitability of traditional commercial banks,whether it is to promote or inhibition or no impact,this has a practical significance on the future development of commercial banks.This article starts from the three aspects of the asset business,the debt business and the intermediate business of the commercial bank,and combines the theoretical research and the empirical analysis.The paper analyzes the impact of the Internet financial assets business and the debt business on the profitability of the commercial banks.By comparing the deposit and lending rates of the current financial markets,it is found that the financial assets of the Internet have little effect on the profitability of commercial banks and can promote the development of commercial banks.In the debt business has a greater impact on the profitability of commercial banks,hinder the development of commercial banks.Based on the panel data of bank assets yield and third party payment growth,this paper builds a multiple linear regression equation to study the influence of Internet financial intermediary business on commercial banks.Through the empirical analysis of 20 banks,it is found that there is only a weak correlation between 0.06,which can judge that the third party payment has little effect on the profitability of commercial banks.It is almost negligible.The Internet financial intermediary business has no effect on the profit of commercial banks,but it has certain influence on the composition pattern of commercial bank profit,which mainly affects the external factors of commercial bank profit.