What impact does Internet finance have on the development of commercial banks?

1. The influence of Internet finance on the asset affairs of commercial banks is more important than small in traditional commercial banks, and many small and medium-sized enterprises have become the commercial blind spots of traditional commercial banks. The development of the times has driven the growth of small and medium-sized enterprises, which is a huge potential market.

2. The influence of Internet finance on the debt business of commercial banks. The rise of third-party payment institutions diverted part of the bank's deposits, and users can transfer the excess funds to Alipay for payment at any time. Users use Yu 'ebao to make short-term financial investment and gain income. The yield of Internet financial management is significantly higher than the deposit interest rate of banks. Under the same conditions, users will choose Internet finance with higher yield. The emergence of Alipay broke the tradition of monopoly deposits of commercial banks and brought an impact on the traditional commercial debt business.

3. The influence of Internet finance on the intermediary business of commercial banks. The emergence of third-party payment and settlement has seized a lot of market share of the original commercial banks in payment and settlement. For example, the emergence of Alipay, Alipay has a certain amount of free cash withdrawal, and there is no handling fee for mutual transfer, which has an impact on the intermediary business of bank commercial transfer fees.

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What is the development trend of Internet finance?

1. Legalization of the platform

Legitimacy is the foundation of the development of Internet finance. A formal platform not only contributes to the overall development of the industry and reduces systemic risks, but also helps enterprises to build their own brands and gain a large number of loyal users. In the future development trend of internet finance, it is very important to abide by the rules. The development of enterprises must adhere to the principle of taking industry regulations as the primary development, strengthen risk management and control, improve the ability of risk identification and resolution, make contributions to the practice of corporate social responsibility, and go further and more steadily on the road of realizing inclusive finance.

2. Serve the real economy and get rid of virtual reality.

With the emergence of internet finance, making full use of its openness and convenience, fund demanders and fund providers can complete information screening, matching and trading more quickly through the network platform, and realize transparent and accurate docking. Let the funds flow to those in need, thus helping the real economy and guiding the funds away from virtual reality.

3. Financial services pay more attention to user experience.