Research On The Impact Of Internet Finance On The Profitability Of Bank Of China M Branch

In recent years,the rapid development of Internet finance has become an important new force in the financial field of our country.Internet financial impact on China's financial sector,as the size of the Bank of China's financial industry the highest proportion of the industry is difficult to avoid the influence of the Internet,through the diversified business model of financial assets business,traditional commercial bank liabilities business and intermediary business have caused a certain impact.The intermediary monopoly position of commercial banks is eroded by Internet finance.The traditional business needs to be innovated,and the innovation of financial business is not yet successful.The transformation of profit mode is imminent.At present,China's Internet financial industry is moving towards "platform opening,artificial intelligence and economic entity",and its importance in China's social progress is also increasingly prominent.The opportunities and challenges of Internet finance will impact on commercial banks in the future.How to seize the opportunity of Internet financial development,integrate resources and enhance profitability is a topic worth exploring.This paper takes bank of China M branch as a case study,trying to analyze its profitability Enhancement Plan under the Internet financial mode,which has practical guiding value for the development of bank M branch itself and the entire banking industry in the Internet Financial wave.First of all,this article from the concept and theory,discusses the basic theory of Internet banking,Internet banking development models at home and abroad made a deep analysis,at the same time,the connotation of the profitability of commercial banks have defined the dynamic trend of interpretation of the Internet financial impact of commercial bank profitability;Secondly,based on the overall research design,puts forward the research methods used in the article: the analytic hierarchy process AHP and fuzzy comprehensive evaluation method and factor analysis method,as one of the four line of the Bank of China branch of the M case analysis,through the description of the path of the Internet financial assets business and liabilities business and intermediary business the influence of M branch bank pointed out that exists in the Internet financial problems in business development;Thirdly,through the extraction of the index and the improvement of the model,the evaluation system of the profitability index of the Bank of China M branch under the Internet financial model is constructed.According to the mechanism of Internet financial impact of the profitability of commercial banks,the Bank of China branch of the profitability of discrete M asset business,liability business and intermediary business of the three indicators in the questionnaire in the process of using the expert scoring and AHP assignment AHP influence factor weight,constructs the index system of the degree of membership fuzzy comprehensive evaluation method,the Bank of China M branch profitability index score,index system is derived for M Branch Bank of China Internet financial profitability evaluation mode;Finally,it points out that the countermeasures to enhance profitability of M branch include: improving the profitability evaluation system,optimizing product structure,improving innovation awareness and strengthening marketing channel construction in three aspects.