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The impact of Internet finance on commercial Banks

2019-01-23 来源: 51due教员组 类别: Paper范文

下面为大家整理一篇优秀的paper代写范文- The impact of Internet finance on commercial Banks,供大家参考学习,这篇论文讨论了互联网金融对商业银行的影响。如今,互联网金融以其自身的优势抢占传统商业银行的市场份额,商业银行在面对互联网金融冲击的同时,也不断的寻找自身的不足,努力寻求差距。为适应互联网金融时代,商业银行必须不断更新管理模式,根据用户实际需求,搜集客户信息,加快产品更新速度,优化商业银行业务流程。

Internet finance,互联网金融对商业银行的影响,essay代写,paper代写,作业代写

Internet finance is a new financial business model that traditional financial institutions and Internet enterprises use Internet technology and information technology to realize capital financing, payment, investment and information intermediary services.

Since the beginning of Internet finance in China, its main products are third-party payment, P2P, crowdfunding platforms and the sales of Internet funds. From the reports of iresearch, wangdai home and yingcan consulting, we can clearly see that the development speed of China's Internet finance is obviously slowing down, and the problems are increasingly acute, such as the high bad debt rate of P2P platform and serious self-financing phenomenon of crowdfunding industry platform. Therefore, the task of healthy and standardized development of Internet finance is extremely urgent.

Traditional commercial Banks prefer large enterprises and ignore small, medium and micro enterprises, so many small, medium and micro enterprises have become the business blind spot of traditional commercial Banks. The development of The Times has led to the expansion of smes, which is a huge potential market.

Take P2P as an example, the borrower applies for a loan to the platform, and the platform evaluates and screens the eligible projects according to their credit status and publishes them on the platform, and the investor determines whether to invest or not according to the tender. The loan business has always been the main asset business of commercial Banks, and the emergence of Internet finance has brought a shock to the asset business of Banks.

Before 2014, the short-term loan of China's commercial Banks had been in a state of continuous growth. Until 2015, the short-term loan dropped sharply, from 3,3637.1 billion yuan in 2014 to 8,878.9 billion yuan in 2015. The development of Internet finance has little impact on the total scale of the asset business of China's commercial Banks, but it has a great impact on the short-term asset business, mainly because the current Internet finance is dominated by short-term financing.

The rise of third-party payment institutions has diverted some bank deposits, and users can transfer the surplus funds to alipay, which can be used for payment at any time. Users use yu 'ebao to invest short-term funds in financial management and gain profits. In addition, the yield of Internet financial management is significantly higher than that of bank deposit. Under the same conditions, users will choose Internet finance with higher yield. The emergence of alipay has broken the tradition that commercial Banks monopolize deposits and brought shock to the liability business of traditional commercial Banks.

According to the statistical yearbook of China, the total amount of deposits in China's commercial Banks continued to grow from 2010 to 2014. In 2014, it dropped sharply from 231608 billion yuan in 2014 to 20614.6 billion yuan in 2015.

However, the capital of Internet finance still flows to commercial Banks eventually, so the impact of Internet finance on the total deposits of commercial Banks is not obvious. The impact of Internet finance is only a small part of the total deposits of commercial Banks, that is, demand deposits.

The emergence of third-party payment settlement has occupied the larger market share of the original commercial Banks in payment settlement. For example, with the emergence of alipay, there is a certain amount of free withdrawal in alipay, and there is no handling fee for the transfer between alipay, which has brought a shock to the intermediary business of transfer fee of commercial Banks. Based on the earnings data of the five major Banks, the impact of Internet finance on China's traditional commercial Banks is proved by the data.

As can be seen from the above table, from 2010 to 2015, the total income of commercial Banks in the intermediate business project showed a slow growth trend, and the ratio of intermediate business income to net profit of commercial Banks was quite stable. In recent years, in order to cope with the shrinking of asset business and liability business, commercial Banks have increased the input of intermediate business. As can be seen from the figure above, the profit contribution rate of intermediary business income does not fluctuate obviously with the increase of investment, and it also indicates from the side that Internet finance has a certain impact on the intermediary business income of commercial Banks, but it is not particularly drastic.

Internet finance seizes the market share of traditional commercial Banks with its own advantages. While facing the impact of Internet finance, commercial Banks also constantly look for their own shortcomings and try to find the gap.

Commercial Banks need to cooperate with each other. From the perspective of the cooperative relationship between commercial Banks, there is still room for development between commercial Banks and Internet financial enterprises. From the perspective of the relationship between various Banks, commercial Banks, because they adhere to the customer-based strategy, do not waver in the light of the situation of the financial market to re-position the commercial Banks.

As the agricultural bank of China proposed to consolidate business with services, broaden the core customer base. Agricultural bank of China puts forward "one point one policy" in its network transformation plan, which combines each branch, sub-branch and network with local customs and customer preferences to propose innovative service measures to build the service brand of agricultural bank of China.

Commercial Banks should make countermeasures analysis from both internal and external aspects. They should not only improve internal management, but also analyze the external environment to better meet the challenges from Internet finance.

In order to adapt to the Internet financial era, commercial Banks must constantly update their management models, collect customer information according to the actual needs of users, speed up the pace of product update, and optimize the business process of commercial Banks.

The main business of Banks can be basically divided into three parts: asset business, liability business and intermediate business. The rise of Internet finance has affected these three parts to varying degrees.

In the asset business, the transformation and innovation of credit business are urgent. Commercial Banks should take the initiative to adapt to the needs of the information age, establish a big data system and improve their own credit business. In addition, commercial Banks should expand the market, establish a comprehensive credit platform, and develop the traditional credit model to the direction of electronic, autonomous and trans-regional.

The main liabilities of Banks are the deposits they absorb, while Internet finance mainly absorbs the idle funds of users in small amounts, affecting the income of demand deposits of commercial Banks. However, the source of the contradiction is that the interest rate yield is relatively large. Under the same conditions, users are more likely to choose Internet finance. Under the policy of the central bank to control the interest rate, commercial Banks cannot make adjustment space on the interest rate. Therefore, to seize the market, commercial Banks need to reposition, think and adjust their strategies. Commercial Banks can build their own payment platforms and actively cooperate with e-commerce enterprises. At the same time, commercial Banks should perfect the market and consolidate the existing market.

As can be seen from the above, the impact of Internet finance on the intermediary business of commercial Banks is not particularly obvious. The main reason is that customers consider the security and risks of Internet finance in terms of large consumption. Therefore, micro-payment accounts for the majority of Internet financial payment and enjoys the convenience of micro-consumption. Commercial Banks should attach importance to big data "cloud computing", which can greatly reduce the technology of information asymmetry. This can not only avoid the cumbersome procedures of traditional commercial Banks, but also reduce the cost of customers.

Facing the impact of Internet finance, commercial Banks should not only recognize their own shortcomings, but also give play to their own advantages. Firstly, China's commercial Banks have a long history, good risk control system and good reputation. Secondly, commercial Banks have abundant capital, and the risk of deposit and loan is almost zero. Thirdly, commercial Banks have a large reserve of professional financial talents and are strong enough to deal with risks and challenges.

And commercial Banks under the impact of the Internet financial the main reason is the commercial Banks in the integration and convenient degree, and the Internet financial gap is bigger, therefore, commercial Banks need to build more one-stop financial services platform, with the overall advantage to win the Internet finance, commercial Banks should change towards the development of comprehensive, cross-border methods.

With the explosive development of Internet finance, commercial Banks should pay more attention to the development trend of Internet finance, change the traditional concept of development, develop their advantages while avoiding disadvantages, and adjust their strategies.

Change traditional management idea, take tide of science and technology development seriously. Commercial Banks should face up to the impact of Internet finance. Commercial Banks should actively respond to the challenges brought by the rise of Internet finance to the banking industry, seek development opportunities from the challenges and re-examine the banking business. At the same time, the banking management should realize that "Internet + finance" is the trend of the future development of the financial industry, and they should make good use of the Internet, integrate the Internet technology with the core banking business, and dare to innovate.

The rapid rise of Internet finance is the product of new financial innovations. This is not only the diversification of products, but more importantly, the high degree of matching between products, convenient operation, combined products is the direction of future consumption. Therefore, commercial Banks should focus on the interoperability of information technology and create "one-stop" financial services.

China's commercial Banks have a high threshold of expansion, mainly for large enterprises, small and micro enterprises are difficult to obtain loans. Therefore, smes are in a dilemma in the process of applying for loans from Banks. Therefore, commercial Banks should pay attention to this group, launch convenient loan channels, optimize the loan model, and on the basis of maintaining the original large enterprises, will provide financial services for small and micro enterprises into the development strategy.

The rapid development of the Internet financial brought impact to the traditional commercial Banks, mainly based on Internet financial operation method is simple, rapid approval process, low cost, but the Internet financial remain sharp contradictions and bigger risk, and have no effect on the potential risks and Internet financial comfort and convenience to the user experience, but to the traditional commercial bank pressure, to reform the innovation, to resist the impact of the Internet. These impacts mainly include the impact on the business model of commercial Banks the impact on the innovation ability and the impact on the traditional regulatory model.

Among the business models of commercial Banks, short-term loans and demand deposits have the greatest impact. In the innovation mode, Banks keep pace with The Times in terms of services, products and other aspects to meet the development of The Times and bring customers a better sense of experience.

In view of the impact brought by Internet finance, commercial Banks should change their business philosophy, formulate corresponding business strategies, clarify their own advantages, review their own shortcomings, maintain their advantages, and make strategic adjustments in the shortcomings. In addition, commercial Banks should also expand business channels, innovate businesses and improve the speed of business processes.

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