A Study Of The Impact Of Internet Finance On China Financial Commercial Bank Development

The internet financial is an emerging field, which is the combination of traditionalfinancial and the internet spirit. Since2013, the internet financial boom in the financialcapital market in China, and has increasingly become the focus of attention. Although theexcellent innovation in detail of internet financial has not snake the foundation oftraditional financial, it’s impact on commercial banks have had spread throughout allaspects of commercial banking. In this paper, in addition to the study of the overallimpact the Internet financial on financial sector, it also have a detail analysis one by oneaccording to its business category——asset business, liability business and intermediarybusiness. At the same time, it analyze the influence Internet financial have done to ourcountry financial system too. Concretely, in terms of the asset business, this papermainly analyze the impact internet financial has done to traditional financial on bank loan;In terms of the liability business, this paper mainly analyze the impact internet financialhas done to traditional financial on bank deposits; In terms of the intermediary business,this paper mainly analyze the impact internet financial has done to traditional financial onsales of bank financial products and some commission sales. On the financial system, thedevelopment of the Internet financial accelerated the process of marketization of interestrate in our country, provides a case to financial regulation in our country.In this paper, it thinks that in order to contribute to internet finance’s healthdevelopment, it need to establish a national unified credit system,improve the system offinancial regulation, accelerate establishing a legal system to avoid the internet financerisk. For Internet financial enterprises, they need to further deepen their features,exploring their potential; Continuing improving technology to make sure security tradingand risk prevention; At the same time, they can seek to cooperate with traditionalfinancial, or speed up to get a bank license, realizing independent management.