Research On The Influence And Countermeasures Of Internet Finance On Intermediate Business Of Commercial Banks

In recent years,thanks to financial market deepening reforms and interest rate liberalization,Internet finance has created an ever-changing economic map and business ecology in China,and has subtly changed the core position of commercial banks in the traditional financial industry.This paper mainly discusses the influence of internet finance on the intermediary business of banks through the empirical analysis method and the combination of qualitative and quantitative methods.Firstly,this paper summarizes the status quo and problems of the development of intermediary business of Internet finance and commercial banks in China through information collation and collection.Secondly,through the empirical research method of multiple linear regression,the positive and negative factors of the current Internet finance in commercial banking are analyzed.It shows that the two major business models of Internet financial products and third-party payment in Internet finance have a relatively significant negative impact on the income of intermediary business of commercial banks.At the same time,among control variables,net interest margin and non-performing loan ratio and capital adequacy ratio are positively correlated with bank intermediary business,while macroeconomic growth rate has a negative correlation with bank intermediary business.Finally,according to the results of this study,this paper proposes the countermeasures and suggestions for the development of intermediary business in the Internet era from the aspects of wealth management products and payment settlement.