The Influences Of Internet Finance To The Deposit And Loan Business In Large Commercial Banks

With the popularity of the Internet continuing to increase,cross-border development of the Internet enter to the financial sector,And the period of the Internet finance is coming.The Internet finance develops rapidly in our country,at the same time,participation of popular is high.The Internet finance trigger a major change in the financial sector.Various services of the Internet finance have varying impact of different business for traditional financial institutions.The bank is one of the most representative of the financial institution,and the deposit and loan business is the core business of the bank,it is to explore the finance Internet have influences on deposits and loans of large commercial banks.This paper uses qualitative research methods and theoretical approaches to the Internet finance that includes concept,nature,type of business and some theories are related to the Internet finance.Then,using the qualitative analysis and quantitative analysis method research on the Internet finance impacting on deposit,lending of large commercial banks.The study found that the Internet finance attack for deposits of large commercial banks.According to the subject and duration of the deposit,the deposit has some types,then research impact of the Internet finance on the types of deposits.The regression results show that the Internet finance have greater impact on the personal current deposit amount of large commercial banks.In the loan business,the Internet finance and large commercial bank development harmoniously.The short-term the Internet finance fail to threaten the position of large commercial banks in the financial sector,but in the wave of the Internet finance,large commercial banks still need to achieve the transformation.Compared with the Internet finance,large commercial banks have accumulated a large number of resources,which include the level of financial talent and customer.And the development of large commercial banks has matured,but in order to achieve the transformation there are some shorts for large commercial banks.Large commercial banks need to improve Internet technology,establish big data platform and absorb the complex talent.