The Impact Of Internet Finance On Traditional Commercial Banks And Products Performance Evaluation

The Internet financial company at the present stage of continuous innovation and development,with its advantages in the field of Internet,continue to launch a series of life and work to provide convenient services,including not only the Alipay such a payment function of products and services,also launched a Yu Ebao like with bank deposits,financial function.The financial advantages of the Internet technology the company provides great convenience to people’s life,but to a certain extent,squeezing the profit margins of banks.This paper is divided into 6 chapters,mainly adopts the empirical analysis method,comparative analysis method,data analysis method to explore the Internet financial impact on traditional commercial banks,the current Internet banking did not have a substantial impact on traditional commercial banks and negative influence conclusion.Based on the VaR model to evaluate the two fund products the performance of fund products,the Internet banking fund products with outstanding performance,the highest performance evaluation.The balance of treasure and commercial banks put forward reasonable suggestions to cope with current development situation,such as the two sides should strengthen cooperation and innovation services.