Study on the impact of Internet Finance on Commercial Banks in China

DOI

10.2991/icfied-17.2017.5How to use a DOI?

Keywords

Internet Finance,Commercial Banks,Fintech

Abstract

The development of Internet Finance is not only a challenge, but also an opportunity for traditional commercial banks, especially for the joint-stock commercial banks that owns a large share in China. Under the situation of Internet Finance development in China, this paper analyzed detailed the influence of internet finance on the tradition commercial banks by normal and empirical methods. The results show that impact of internet finance on the banks via its asset business, liability business and intermediary business, which will lead to the trend of financial disintermediation and finally threaten the operating performance, business model of commercial bank. We suggest that the commercial banks should change the mode of traditional operation and put forward more financial products using Fintech in the "Internet + Finance" era.

Copyright

© 2017, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Download article (PDF)

TY  - CONF
AU  - Yili Su
AU  - Fang Liu
PY  - 2017/04
DA  - 2017/04
TI  - Study on the impact of Internet Finance on Commercial Banks in China
BT  - Proceedings of the 2017 2nd International Conference on Financial Innovation and Economic Development (ICFIED 2017)
PB  - Atlantis Press
SP  - 28
EP  - 31
SN  - 2352-5428
UR  - https://doi.org/10.2991/icfied-17.2017.5
DO  - 10.2991/icfied-17.2017.5
ID  - Su2017/04
ER  -