The Research Of The Influence Of Internet Finance On The Stability Of Commercial Banks

In recent years,with the deepening integration of Finance and the Internet,China's Internet finance has entered a rapid development stage.The continuation of this situation has created both opportunities and challenges for the stability of commercial banks.On the one hand,with the development of the mode of Internet finance,such as third-party payment,P2P online loan and crowdsourcing,the business of traditional commercial banks has been impacted to a certain extent,and the income has fluctuated to some extent.On the other hand,driven by the background factor of the rapid development of Internet finance,Chinese commercial banks are also responding to the development needs and actively innovating the existing business model framework.It has achieved good results in development.It can be said that the development of Internet finance in commercial banks is a double-edged sword.So how about the development of Internet Finance nowadays?How does the development of Internet finance affect the stability of commercial banks?In this paper,a systematic analysis of these problems is carried out from the theoretical and empirical levels.Firstly,this paper systematically explains and analyses the research background and significance,research contents and methods,and systematically combs the relevant research at home and abroad.Secondly,combining with the specific mode of Internet finance,this paper introduces the development of Internet Finance in China,and systematically analyses the impact path of Internet Finance on the stability of commercial banks.Finally,this paper measures the stability changes of commercial Banks based on factor analysis method,and analyzes the impact of Internet finance on the stability of commercial Banks combined with PVAR model.On this basis,this paper puts forward a number of targeted policy recommendations for the better development of commercial banks in the context of the rapid development of Internet finance.It is found that Internet finance has a certain impact on the stability of commercial Banks.On the whole,Internet finance has a negative impact on the stability of commercial Banks,but its influence is limited.From the perspective of grouping analysis,the degree and direction of impact on the stability of state-owned commercial Banks and non-state-owned commercial Banks are different.State-owned commercial Banks are positively correlated with the development of Internet finance,while non-state-owned commercial Banks are negatively correlated with the development of Internet finance.In addition,the study also found that the improvement of macroeconomic environment has a positive impact on the stability of commercial Banks.