Research On The Impact Of Internet Finance On The Liquidity Risk Of Commercial Banks

Since the birth of Internet finance,through the advantages of technology and traffic,it has continuously eroded the business of commercial banks on the asset side and liability side,and has quickly become a strong competitor of commercial banks,and has had a huge impact on it.Due to the slowdown of China’s economic growth,the profit growth rate of commercial banks has also slowed down,and the rapid development of Internet finance has affected the liquidity of commercial banks in my country.Based on the perspective of the liquidity risk of commercial banks,this paper explores the specific path of the impact of the development of Internet finance on the liquidity risk of commercial banks in my country,and provides suggestions for commercial banks to solve the current problems.This paper introduces Internet finance and the reasons for its rise,sorts out the literature,and conducts theoretical analysis.It is concluded that Internet finance can affect the liquidity risk of commercial banks by affecting the business structure,deposit stability and asset quality of commercial banks.At the same time,it analyzes the development status of the three major businesses of Internet finance,explores the difference in the impact on the liquidity risk of commercial banks,and introduces the liquidity development status of commercial banks.Finally,using the fixed effect model and the intermediary effect model,it is proved that the development of Internet finance has a significant negative effect on the liquidity of commercial banks;through the heterogeneity analysis,it is concluded that the liquidity of large commercial banks is less affected by the development of Internet finance,and the liquidity of small and medium-sized commercial banks is less affected by the development of Internet finance.Commercial banks are greatly affected.The impact of Internet finance on the liquidity of commercial banks is transmitted through adjusting the business structure,weakening the stability of deposits,and deteriorating asset quality.The rapid development of the three major businesses of Internet finance has a negative impact on the liquidity of commercial banks.According to the calculation,it is found that the Internet wealth management business has the greatest impact on the liquidity risk of commercial banks,and Internet lending is the least.Finally,some suggestions are put forward.All commercial banks should pay more attention to their liquidity risk management,establish their own liquidity management system,and prevent the risk of running on the bank;Actively innovate service models,enrich financial products,actively embrace the development of Internet finance,and enhance the competitiveness of its own products.