Research On The Impact Of Internet Finance On The Profitability Of My Country's Commercial Banks

In the context of the era of innovation,the boundaries of the industry are becoming increasingly blurred,and industry resource integration continues.The influence of the Internet industry on traditional industries is increasing day by day.The emergence of Internet finance is the integration of the Internet and the financial industry.Internet finance has brought together a number of innovative models,such as emerging business models,emerging operating models,and emerging concept models,which have far-reaching implications for traditional commercial banks.This paper starts from the theoretical basis to study the impact of Internet finance on the profitability of China's commercial banks.Based on the current situation of China's Internet finance,the status quo of commercial banks' profitability is analyzed.The index of measuring the profitability of commercial banks is mainly the return on assets.The return on assets is mainly affected by the main business,that is,the research on the return on assets can be from the perspective of the payment business of commercial banks,the assets and liabilities of commercial banks,and the intermediary business of commercial banks.For Internet finance,China's main operating modes are Internet payment,Internet financing,and Internet investment.Starting from the three modes of Internet finance,each mode of business has a corresponding impact on the main business of commercial banks.The connection is not unitary.From the various modes of Internet finance,we explore the substitution and spillover effects between each other.