Author(s)

Wang Heshan ¹

Affiliation(s)

¹ Krirk University, Bangkok, Thailand

Corresponding Author

Wang Heshan

ABSTRACT

In the recent years, with the rapid and efficient development of Internet technology, Internet financial services represented by third-party payment, online loans, crowdfunding, Internet insurance, and wealth management business have sprung up, and the general environment of the domestic financial market is undergoing great changes. The Internet financial boom is rapidly sweeping the entire financial industry. Compared with the traditional financial industry, Internet finance can bring huge profit margins for financial institutions as well as consumers. In the rapidly changing Internet environment, commercial banks should be more active in responding to the challenges brought by the Internet boom and seize the opportunity to follow the trend. This paper firstly clarifies the concept of Internet finance and commercial bank performance, so as to better define Internet finance and commercial bank performance in this paper. Secondly, it analyzes the relevant theories on the impact of Internet finance on commercial bank performance, and finally draws conclusions and puts forward suggestive measures. So as to promote the win-win cooperation and coordinated development of Internet finance and commercial banks.

KEYWORDS

Internet finance; commercial banks; performance

CITE THIS PAPER

Wang Heshan, A Study of the Impact of Internet Finance on the Performance of Commercial Banks. Financial Engineering and Risk Management (2023) Vol. 6: 21-27. DOI: http://dx.doi.org/10.23977/ferm.2023.060903.

REFERENCES

[1] Pu Yunjuan, Research on the Impact of Internet Finance on the Performance of Commercial Banks [D]. Southwest University of Political Science and Law. 2021
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[3] Sun Zhongye, The impact of Internet finance on commercial bank performance [J]. Heilongjiang College of Finance and Economics, Finance and Economics, 2023: 85-87.
[4] Fan Huijie, Lan Yuping. Empirical Analysis of the Impact of Internet Finance on the Performance of Five Major Commercial Banks [J]. Finance, 2021, 11(4):297-304.
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[6] Cai Zhiqiang, Yan Xiaonan. A Review of Research on the Impact of the Development of Internet Finance on the Market Structure and Performance of Commercial Banks [J]. Journal of Tianjin Commercial University, 2018, 38(01):33-38.

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