互联网金融对商业银行金融业务的影响

Influence of Internet Finance on the Financial Business of Commercial Banks

互联网金融凭借其低成本、低门槛、便捷高效的优势获得了众多消费者的喜爱,给商业银行等传统金融机构造成了较大影响。通过分析互联网金融对商业银行金融业务的影响发现,互联网金融的便捷高效打破了传统商业银行的业务壁垒,为商业银行业务发展带来了新的机遇和挑战,促使商业银行进行金融产品创新和服务质量提高。互联网金融利用门槛低、操作便捷、随取随用等优势吸引消费者利用第三方平台进行借贷或投资储蓄,一定程度上抢占了商业银行的储蓄信贷业务。由拟合散点图可知,商业银行金融业务增长率随第三方支付规模的增加呈下降趋势。商业银行可借助互联网金融加强金融产品创新,提升金融产品的宣传效果,做好金融风险防范工作。

With its advantages of low cost,low threshold,convenience and efficiency,internet finance has won the favor of many consumers,and has caused a great impact on traditional financial institutions,such as commercial banks.Through the analysis of the impact of internet finance on the financial services of commercial banks,it is found that the convenience and efficiency of internet finance has broken the business barriers of traditional commercial banks,brought new opportunities and challenges to the development of commercial banks’business,and promoted commercial banks to innovate financial products and improve service quality.The advantages of internet finance,such as low threshold,convenient operation and on-demand use,attract consumers to borrow or invest in savings through third-party platforms,which to a certain extent decrease the savings and credit business of commercial banks.The fitted scatter plot shows that the growth rate of financial services of commercial banks shows a downward trend with the increase of the scale of third-party payment.Commercial banks can use Internet finance to strengthen financial product innovation,improve the publicity effect of financial products,and do a good job in financial risk prevention.