The Impact Of Internet Banking On The Performance Of Chinese Commercial Banks

In recent years,our country's computer personnel training to a higher level advances makes the Internet technology more and more mature and perfect,the combinations of finance and Internet bring China into the Internet period.It's strong appeal to investors and consumers has to be reckoned with,not only because of convenient operation that can complete the transaction needn't leave home,but also the low exchange cost of capital and time.Over a longer period of time the commercial banks rely on spreads income and remittance income will be influenced by it.Commercial banks in order to adapt to the market demand in response to a series of change and influence,gradually began to innovate products and services in order to consolidate it's position in the market.For the performance of commercial banks the emergence of the Internet finance can affect it or not,the influence is big or small,the effect is challenge or opportunity,and the emergence of non-financial institutions form how to affect financial system reform,to promote or dragging,these need us learn and research,this paper is to study by means of combination of theory and empirical analysis of the Internet finance on the impact of China's commercial banks operating performance,and commercial banksFirst this paper reviews some related literature about the development of the Internet and the impact of Internet finance to commercial banks,expounds the concept of the Internet finance,type of pattern,the present situation of the Internet finance,and theoretical analysis the present situation of the Internet finance impact on commercial banks' operating performance,it laid a solid foundation for later empirical analysis.Second through the empirical analysis,establish the Internet finance and commercial banks' operating performance target models,and use the random utility model to regress samples,the conclusion of regress is: the indicators represented Internet finance have negative influence on commercial banks' profitability indicators;The change of Internet finance indicators and commercial banks' liquidity and asset security index is the same direction;The Internet finance index and commercial banks' future develop ability is negative correlation.Finally,according to the results of theoretical and empirical analysis,puts forward some suggestions to improve commercial banks' performance under the influence of the Internet finance.