Analysis Of The Impact Of Internet Finance On The Financial Risks Of Commercial Banks

With the development of Internet technology and mature,the Internet was accepted by the people and the use,the Internet and finance with the combination of emerging financial models,constantly changing people's consumption,savings and lending financial behavior habits,the emergence of the Internet financial to fill the gaps in the formal financial part,is the supplement of traditional financial,but it's for the traditional financial especially commercial Banks has a huge impact.This paper adopts the method of qualitative and quantitative analysis to study the impact of the development of China's Internet finance on the financial risk of commercial Banks,the adverse effects and problems on it,and gives the corresponding countermeasures,so as to strive for the healthy and stable development of commercial Banks.Firstly,this paper describes and analyzes the connotation and development status of financial risks of Internet finance and commercial Banks by referring to relevant domestic and foreign literatures,as well as the mechanism and principle of the influence of Internet finance on financial risks of commercial Banks.Secondly,the paper makes an empirical study on the relationship between Internet finance and financial risks of commercial Banks.In this paper,the non-performing loan ratio,return on total assets and return on net assets of financial indicators of commercial Banks are selected to reflect the size of financial risks of commercial Banks from the two aspects of asset quality and profitability.At the same time,the two main formats of Internet finance,namely the development scale of P2P online loan and the development scale of third-party payment,are selected as indicators to measure the development scale of Internet finance and as explanatory variables.Based on 16 listed commercial Banks from 2013 to 2017 in the financial statements,P2P network data,development data and third-party payment scale formation of panel data,build multivariate regression model,regression analysis method was used to study the development of the Internet financial impact on the size of the commercial bank financial risk,the empirical results show that the two kinds of development of the Internet financial mode and the non-performing loans of commercial Banks were positively correlated,and the bank of negative correlation rate of return on total assets and net assets,shows the development of the Internet financial will make commercial bank asset quality,profitability,Make the financial risk of commercial bank increases ceaselessly.In the end,this paper discusses the impact of the development of Internet finance on the financial risks of commercial Banks and the corresponding problems.Second,commercial Banks should change the talent structure and introduce Internet professionals.Third,commercial Banks should seize their own advantages,strengthen the Internet thinking to improve operational efficiency;Fourthly,commercial Banks should standardize their lending procedures and strengthen credit verification to improve their ability to prevent and control risks.