| In recent years,against the backdrop of the continuous development of network information technology,Internet finance has achieved certain development by virtue of its advantages such as low threshold,low transaction costs and high operating efficiency.Under the background of the increasingly prominent "catfish effect" of the financial industry,commercial banks are carrying out innovative reforms in line with the development trend of The Times in the Internet era.However,in the process of development,urban and rural commercial banks will be greatly affected by the regional economic development level.For example,the regional economic development level of some commercial banks is relatively backward,and the deposit and loan business is their main business type.Some urban commercial banks have poor risk management level in the process of development.All these factors will lead to the weakening of the innovative ability of commercial banks in the development process due to the positive influence of the expansion of the scale of Internet finance.Thus,it can be seen that it is relatively difficult to seize the development opportunities in the era of Internet finance in the new era.The research on commercial banks based on the development of the Internet will not only help commercial banks transform their operating and development mode in the process of development,but also help optimize the overall banking of our country.This paper firstly makes a preliminary description of the relevant contents from the perspective of research background and significance,and also summarizes the existing research results related to the innovation of commercial banks and Internet finance in the academic circle.Then,from the theoretical level,it analyzes the specific impact of the innovation ability of commercial banks on the background of Internet finance in the modern era.This paper empirically analyzes the data from 47 commercial banks from 2012 to 2021,and makes an empirical analysis based on different types of commercial banks to explore the impact of Internet finance on the innovation ability of different types of commercial banks.The specific research results are as follows:(1)On the whole,the innovation ability of commercial banks will be affected by some factors,especially the scale of Internet finance;(2)With the development of Internet finance,state-owned commercial banks will be affected in a negative way.This relationship is partly due to the fact that state-owned banks are confronted with more constraints and huge asset scale in the development process,while joint-stock commercial banks will be positively affected by Internet finance.(3)In the new era,the influence of Internet finance on the innovation capacity of commercial banks in different economic development areas is different.The influence of Internet finance on the innovation capacity of commercial banks in economically developed and underdeveloped areas is positive and negative respectively.Finally,this study combs and summarizes the full text from macro and micro levels.According to the above content,commercial banks are affected by some factors in terms of innovation ability,especially Internet finance,and proposes corresponding solutions to this problem. |
