Taking P2P As An Example To Study The Influence Of Internet

With the rapid rise of Internet banking models, the relationship between Internet banking and commercial banks has become a hot topic in academia.. In recent years, the scale of Internet banking in a blowout type growth trends, and commercial bank is facing liquidity risk increases, lower profitability, financial disintermediation becomes more and more serious and frequent "money shortage dilemma. The development of the two different trends. And at present, our country is in the economic transition, the economy can realize the qualitative leap, which depends on the healthy development of the capital market. Therefore, the Internet banking and commercial banks as the two main body of the capital market, the study of the former for the latter, and according to the conclusions of the study, it is particularly important to propose countermeasures. Most of the existing literature is only from the theoretical level of the impact of Internet banking on commercial bank loan size. Therefore, in this paper, by the example of P2 P, from two aspects of theory and empirical analysis the Internet financial turnover and comprehensive Internet financial turnover rate of commercial bank lending effect mechanism, so as to provide suggestions for the future healthy development of the business of Internet banking and financial industry.Firstly, through the theory analysis, the financial disintermediation theory, transaction cost theory, the long tail theory and the theory of liquidity risk analyzed the influence mechanism of Internet banking lending to commercial banks, and gave the theoretical expectations. Secondly, 23 provinces and cities as samples, based on panel data of October may 2013 to 2014, with commercial bank loans as the explained variable, P2 P comprehensive turnover rate, P2 P volume, actual income level of GDP and the price level CPI as explanatory variables established model. Using Eviews software, empirical analyzed of the impact of Internet banking turnover and Internet Financial Comprehensive turnover rate on the size of commercial bank loans, and got the results of empirical analysis.Through theoretical and empirical analysis, the empirical results are contrary to the theoretical expectations. The possible reason is that the theoretical hypothesis and the reality of the situation does not match. First, the capital market is not completely competitive market; second, the capital market money supply is change; third, the capital market demand for capital changes. Finally, according to the results of empirical analysis, the conclusion: commercial bank loan size is proportional to the Internet banking turnover, and the Internet is inversely proportional to the overall rate of financial transactions.Finally, according to the conclusion, the suggestions for the future development of commercial banks and Internet banking are given.First, commercial banks to focus on customer value creation, adhere to the concept of innovation,improve their quality and service. Secondly, commercial banks should actively cooperate with the Internet banking business to achieve complementary advantages,mutual benefit and win-win.