| With the continuous innovation of Internet Information Technology and the government develop a series of policies and measures in favor of the good development of Internet banking,China’s Internet banking has achieved amazing results and cause social circles’ high concern.Internet banking is a new type of financial format and its development time is not long,but it brings great challenges to the commercial banks management,third party payment,P2P lending,public financing,"Yu E Bao"products have a certain impact on commercial banking assets,liabilities and intermediary business and have a direct impact on its profitability.The size of profitability is related to the survival and development of commercial banks,therefore,the study of the impact of Internet banking on the profitability of commercial banks has certain theoretical and practical significance,has good to commercial banks to achieve sustainable and stable development in response to the impact of Internet banking.This paper takes sixteen listed commercial banks as the research object,from the definition of Internet banking、commercial banks profitability and the relationship between above two items.Then,the status quo of the development of Internet banking and commercial banking sources of profit from the asset business,liability business,intermediary business,the positive and negative effects of internet finance on the profitability of commercial banks from the theoretical level analysis.And then studying respectively the short-term effects and long-term effects on the profitability of commercial banks,from the third party payment and settlement、Internet financing and investment management with using empirical analysis method.Finally,draw the conclusion,and put forward the countermeasures and suggestions for the commercial banks to meet the challenge and strengthen their profitability from Perfect asset business、innovative liability business、expanding intermediary business as well as the realization of commercial banks and Internet Financial coopetition. |
