A Study On The Impact Of Internet Finance On The Profitability Of Traditional Banks In China

In recent years,as the Internet continues to heat up,China has entered the "Internet +" era,the Internet banking is the spirit of the Internet and the traditional financial industry combined,has become the focus of attention.Internet banking with its low cost,high transparency W and convenient operation by customers,brought no small impact to China's traditional commercial banking business,promote China's banking industry transformation and upgrading,innovative products and services,in order to consolidate its market position.The emergence of Internet banking is both an opportunity and a challenge for China's commercial banks.It is of far-reaching significance to explore the impact of Internet banking on the profitability of China's commercial banks.Because the Internet financial forms and the availability of data is poor,the retrieval,the related research about the financial impact of the Internet on the profitability of commercial banks in domestic theoretical analysis and qualitative analysis,this paper uses a combination of theoretical and empirical,based on the questionnaire survey to obtain data,using fuzzy comprehensive evaluation method and AHP,Minsheng Bank S branch as a case,the financial impact of the Internet on the ability of commercial banks for empirical and quantitative analysis.The empirical research shows that the personal consumption loan business of commercial banks' assets end business is greatly influenced by the Internet,and the importance of the asset side business of commercial banks is not high in the index system.The demand deposit business of the commercial bank's debt end business is greatly influenced by the Internet finance,and the commercial bank's liabilities end business is very important in the index system.The intermediary business of commercial banks has a great impact on Internet banking,and the intermediary business of commercial banks is of higher importance in the index system.