The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal

近些年，互聯網金融在中國迅速成長。互聯網金融企業在發展過程中掌握了大量的使用者資訊，並根據使用者的金融偏好，為其提供相應的金融服務。商業銀行作為國內金融系統的核心，究竟會受到怎樣的影響，逐漸成為學者關注的重點。在這樣的背景下，本文選取互聯網金融衝擊下的商業銀行為研究對象，試圖找到商業銀行應對互聯網金融衝擊的策略。 本文在前人文獻的基礎上總結了互聯網金融的概念，梳理了互聯網金融發展的幾種業務模式。在互聯網金融的發展過程中，由於其業務與商業銀行的業務有重疊之處，不可避免的衝擊了商業銀行的固有業務。特別是銀行存款、貸款被互聯網金融理財產品、P2P網路貸款所影響。數據顯示，2015年初，我國商業銀行的資產負債業務均有持續下降的趨勢。本文在實證對比以及理論分析的基礎上得出結論：互聯網金融理財產品可能會對銀行存款端業務有顯著影響，並呈負相關係。而P2P網路貸款對銀行貸款業務的影響並沒有存款端顯著，但依然是重要的原因之一。 最後，本文對商業銀行進行了SWOT分析，並依據商業銀行自身特點，為銀行未來的發展提出建議：通過業務、戰略、功能三方面的創新來應對嚴峻的競爭環境。并希望能為後來的讀者提供幫助。In recent years, there is a rapid growth on Internet Financial. The Internet companies have a great deal of user information so that they can provide financial services to the user base on their financial preferences. As the core of the domestic financial system, what kind of impacts the commercial banks will suffered gradually become the focus of academic attention. In this context, we select the commercial banks as our study to find strategies to deal with the impact of Internet Financial In this paper, we are combing several business models of Internet Financial based on the former research. Apparently, Internet Financial has inevitable impact on the business of commercial banks as their businesses have overlap. Particularly, the bank deposits and credit loans are eroded by the Internet Financial products and P2P network lending. The data show that the business assets and liabilities of commercial banks have continued to decline in the early 2015.This paper draw the conclusion by the empirical and theoretical analysis: Internet Financial products will affect the bank deposit significantly in and shows negative correlation. The impact of P2P networks loans on bank credit loan is not significant as bank deposit, but it’s still one of the important reasons. Finally, we use SWOT analysis to analyze commercial banks and make recommendations for the future development of the bank according to its own characteristics: through innovation of strategy, function and business to cope with the severe competitive environment. We are hoping to provide help to later readers