互联网金融对商业银行业务经营的影响研究.docVIP

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互联网金融对商业银行业务经营的影响研究

互联网金融对商业银行业务

经营的影响研究

ResearchontheInfluenceofInternetFinanceonthebusinessOperationofCommercialBanks

摘要

近年来，互联网金融行业蓬勃发展，许多杰出的公司都取得了成功。到目前为止，商业银行接管的所有类型的交易都受到不同程度的影响。因此，讨论互联网金融对商业银行活动的影响以及它们应如何应对，具有重要的历史意义和研究价值。

本文首先介绍我国互联网金融的发展状况，然后主要从三个方面着重论述了互联网金融对于商业银行业务经营的影响。在资产交易方面，个人和企业贷款受到了一定影响，但影响较小;在负债业务方面，其影响是非常大的，特别是由于低成本普通存款所占份额减少和高成本银行同业存款增加，即使它们的总量趋于增加，即便总体规模仍然趋于增长，由于债务业务成本的迅速增加，商业银行的业绩呈下降趋势;关于中间业务，互联网金融对三类业务的影响最大：支付结算业务、代销基金业务、生活缴费业务。最后，对商业银行应对互联网金融的发展提出了建议。

关键词：互联网金融商业银行业务经营

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Abstract

In?recent?years,?the?Internet?finance?industry?has?been?booming?and?many?outstanding?companies?have?achieved?success.?So?far,?all?types?of?deals?taken?over?by?commercial?Banks?have?been?affected?to?varying?degrees.?Therefore,?it?is?of?great?historical?significance?and?research?value?to?discuss?the?impact?of?Internet?time?financing?on?the?geographical?activities?of?commercial?Banks?and?how?they?should?deal?with?it.

This?article?first?introduces?the?development?of?Internet?finance?in?China,?and?then?focuses?on?the?impact?of?Internet?finance?on?the?business?operations?of?commercial?banks,?mainly?in?three?aspects.?In?the?asset?business,?it?has?a?certain?impact?on?personal?loans?and?corporate?loans,?but?the?impact?is?small;?in?the?debt?business,?the?impact?is?huge,?mainly?reflected?in?the?decline?in?the?proportion?of?low-cost?general?deposits,?and?the?rising?cost?of?interbank?deposits,?even?The?overall?scale?is?still?tending?to?grow,?and?the?profit?situation?of?commercial?banks?is?also?showing?a?downward?trend?due?to?the?rapid?increase?in?the?cost?of?debt?business.?In?terms?of?intermediate?business,?the?three?types?of?payment?and?settlement?business,?consignment?fund?business,?and?life?payment?business?are?the?most?impacted?by?Internet?finance.?Plate.?Finally,?it?puts?forward?corresponding?suggestions?for?commercial?banks?to?respond?to?the?development?of?Internet?finance.

Keyword：Internet