| In recent years,with the rapid development and popularization of the network technology,the role of the Internet in the development of the financial industry has become more and more prominent.Network technology and the continuous integration of the financial industry,resulting in a new form of Internet banking financial form.Difference between it and the traditional financial activities in morphology is essentially is arises at the historic moment in the prosperity and development of e-commerce,the rise of the Internet age background and its combination with the financial industry,no doubt to the financial industry has brought vitality.But at the same time,along with the challenges.Since June 2013,the balance of treasure on the line,a variety of Internet financial products continue to emerge,all aspects of the traditional commercial banks have caused a huge impact.The first,a brief analysis is about the concept and the development of Internet banking,and emphatically describes the characteristics and advantages of the Internet financial products.Selection of large and medium-sized bank deposit data,Yu Ebao returns,the Shibor data on the basis of the analysis,CPI and other variables to make empirical test.The empirical results show that the commercial bank deposit influenced by internet financial products.Compared to large banks are more affected.Large commercial bank deposit and the balance of treasure yields negative correlation,demand deposits are affected by the high income and outflow.Unlike large commercial banks,small and medium commercial banks demand deposits by the impact of the balance of treasure and the relationship between the rate of return is positive.Small and medium sized commercial banks will actively follow the changes in the market rate of return and the corresponding increase in the income of their demand deposits to retain and even attract more funds.In the continuous competition of commercial banks actively enrich their own financial products,change the service attitude,improve service quality,but also indirectly promote the marketization of interest rate.At the same time,although the short-term financial products income is higher,but in the long run back with the increased competition and tend to market interest rates.With the excess returns disappeared,investors gradually become more rational. |
