With the rapid development of the financial industry, the general public has a diversified and complicated trend of demand for the financial industry, and the traditional banking business can no longer meet the needs of users. Coincides with the rapid development of Internet technology, known as the "Internet Finance" new model came into being In recent years, Alibaba and Tencent these two major network giant rapid development of Internet finance business, launched Alipay, ant flower chanting, micro-channel red envelopes epoch And other products, relying on a large user base and a good user experience, quickly. Occupied the market with great success. The rapid development of Internet finance has brought about a certain impact on the traditional financial industry with banks as its mainstay. In today's commercial banks and Internet finance how, how can we combine with the development of the network, make the financial business of commercial banks out of shadow to improve performance has become a hot issue nowadays, it is worth in-depth discussion.
Theoretical analysis of the impact of Internet finance on bank performance, the results show that the development of Internet finance on the bank's performance has both advantages and disadvantages. On the one hand, the development of Internet finance makes banks' costs in deposit and loan area directly lower their profit margins and squeeze out channels such as bank payment. On the other hand, the development of Internet finance has, to some extent, forced down Bank's own innovation, banks to improve their own efficiency directly for the performance of the lower, which helps banks to improve their own profit margins, thereby enhancing their performance.
In terms of empirical research, this paper first introduces two methods to measure the level of Internet finance from different angles by introducing the current methods to measure the level of development of Internet finance: Introducing Peking University Internet Finance Research Center and Shanghai New Finance Research Institute And a set of ant financial service group jointly compiled a set of measures to measure the level of Internet finance in China, "Peking University Internet Finance Development Index", based on relevant literature and domestic scholars of practical experience, the use of Internet search engine, based on the "text mining law" to construct An index to measure the level of Internet finance. On the basis of the first two indexes, we analyze the influence of internet finance development indexes constructed by different methods on bank performance through panel data model, and compare and prove the two empirical results. The final results show that the two Internet finance development Index regression results of bank performance, the coefficient in front of them all showed a significant negative sign, indicating that the current development of Internet finance overall for bank performance is a negative effect, the development of Internet finance will lead to the decline in bank performance Absorb the advantages of Internet finance and think banks can innovate and embrace Internet finance only. Only in this way can banks enhance their competitiveness in the face of the continuous development of Internet finance in order to better meet the challenges of the future.
: internet finance; commercial bank performance; measurement method（）