The Influence Of Internet Banking On The Operation Of Commercial Banks And The Countermeasures

In recent years, with the continuous development of the Internet and other emerging technologies, it gives the birth to the integration of Internet and other industries. Under the Internet financial integration and penetration, it produces a new financial industry-- Internet finance. With the rapid pace of the development of the internet finance, it is quietly changing people's life-style and consumption habits, providing people more efficient, convenient and common preferential financial services. The development of the Internet finance has a certain effect on the implementation of liabilities of commercial banks, asset business and intermediate business. It also has a certain effect on the safety, liquidity and profitability of the commercial banks' capital. Under the impact of the Internet financial innovation mode, the commercial banks should not only take advantage of the opportunities but also cope with the challenges brought by the Internet finance. The commercial banks also have to seek active, effective innovative measures in the management to realize its healthy development.Through the research of Internet finance, this paper expounds the related concepts and theoretical foundation of Internet finance, reviews the development of Internet finance at home and abroad, and analyzes the current situation of Internet finance. First of all, this paper elaborates the influence on the "security", "liquidity" and "profitability" of commercial banks brought by the internet finance from the perspective of commercial bank management. Then this paper selects the 16 listed banks in China as the research object, it set up the panel model by using the database of Wind, Iresearch, www.wdzj.com and Bank announcement which selected from the first quarter of 2013 to the third quarter of 2015. By the empirical analysis on the above theoretical analysis, this paper comes to the conclusion that Internet finance has an impact on commercial banks. Finally, this paper put forward the corresponding countermeasures on the maintenance of commercial bank security, liquidity and profitability, from the perspective of the impact on commercial banks brought by the development of internet finance.