An Empirical Study On The Impact Of Internet Finance On Intermediate Business Of Listed Commercial Banks In China

As a new financial model,the development of Internet finance has deeply changed the way of life and work of the general public.For the traditional financial industry,Internet finance has even become a threat.In this context,how to face the impact of the Internet financial industry,how to maintain the stickiness between customers and maintain the original market share has become an urgent problem for commercial banks.Since 2013,the Internet and traditional financial industry coexist,penetrate and influence each other.Internet financial industry has made remarkable achievements in China at a geometric growth rate.In this context,the intermediary role of commercial banks is weakening and the revenue of intermediary business is facing great challenges.It is very meaningful to study how commercial banks in China use their own advantages to meet the challenges and find new opportunities for development.In order to explore the relationship between Internet Finance and intennediary business income of listed commercial banks in China,this paper takes literature research,case analysis and normative analysis as basic research methods.Firstly,it summarizes the background,significance,domestic and foreign research summary of this paper.Secondly,it elaborates the connotation,theoretical basis,development status and trend of Internet finance in detail,which lays a theoretical foundation for the empirical analysis in the following chapters.Then,around the intermediary role,operation mode,management mode,competition mode,traditional business income,customer base,financial strategy,business competitiveness and fund intermediary function of commercial banks,the division discusses in detail the impact of Internet Finance on commercial banks'institutions and financial services,and expounds Internet Finance on the basis of introducing intermediary business of commercial banks.The impact of financial products and third party payment on intermediary business of commercial banks.Based on the previous analysis,this paper constructs models and hypotheses to empirically analyze the impact of Internet financial management and third-party payment on intermediary business,and finally puts forward some suggestions for listed commercial banks to deal with the impact of Internet Finance on intermediary business.