Impact of loan business

What impact does Internet finance have on traditional commercial banks?

1. The influence of Internet finance on the deposit business of commercial banks.

2. The Internet finance business that challenges the deposit business of commercial banks mainly includes the new fund sales model represented by Yu 'ebao and P2P credit business. In particular, the balance treasure model not only has the characteristics of traditional deposits, but also has higher interest and better liquidity than bank deposits, which has won the favor of the majority of users, directly reduced the competitiveness of commercial banks' deposit business and achieved better development. For commercial banks, whether they have sufficient deposits is the basis of other business activities. The emergence of Yu 'ebao and P2P credit business not only has an impact on the deposit business of commercial banks, but also has a negative impact on the loan business and other business activities of commercial banks because deposits are affected.

3. The influence of Internet finance on the loan business of commercial banks.

4. The influence of Internet finance on the loan business of commercial banks mainly comes from P2P loan and crowdfunding mode. The emergence of P2P loan and crowdfunding model gives enterprises and individuals with potential loan needs more choices in the financing process. Different from the complicated loan procedures of commercial banks, P2P loans and crowdfunding not only have simple procedures, but also greatly simplify the loan process, which has a far-reaching impact on the loan business of commercial banks.

5. The influence of Internet finance on the payment business of commercial banks.

6. Payment service is a traditional service provided by commercial banks. With the development of internet finance and the existence and development of third-party payment platforms permitted by China's policies, the payment services provided by third-party payment platforms are not only convenient to use, but also low in cost. However, the payment business process provided by commercial banks is complex, and different commercial banks still face many difficulties in handling payment business. Internet financial services effectively overcome the problems existing in the payment business of commercial banks and have a negative impact on the development of payment business of commercial banks.

The influence of crowdfunding on the loan business of commercial banks

The credit business of commercial banks has been influenced by modern network platforms such as P2P, crowdfunding and e-commerce.

Its scientific and reasonable loan pricing level is the key to win in the fierce equity crowdfunding competition. This paper selects the financial data of 4 1 city commercial banks1998-2015 in Pan-Pearl River Delta region as a panel regression model, and draws the conclusion that the business management fees of city commercial banks have the greatest influence on loan pricing, the regional economic growth rate is positively related to the loan pricing level, the bank's anti-risk ability has a positive effect on loan interest income, and the close relationship between banks and loan customers will affect the loan pricing level. Therefore, Guangxi city commercial banks should optimize the loan pricing model, strengthen cost accounting, improve the pricing level of personalized loans, enhance their ability to resist risks and actively safeguard customer relations.

The influence of economic cycle on bank credit business

1, economic cycle fluctuations affect the strategic objectives of credit management.

Banks are special enterprises with operational risks, and their high leverage requires them to maintain prudent and steady business philosophy and sustainable development business objectives in credit management. In the macroeconomic boom cycle, with sufficient liquidity and strong demand for credit funds, banks tend to be too optimistic about the business situation and underestimate the risks, and may set more radical business objectives, with excessive credit expansion and some credit funds flowing into high-risk projects such as low level, high energy consumption and repeated construction.

2. The fluctuation of economic cycle affects the allocation of credit resources.

The impact of economic cycle fluctuation on the allocation of credit resources is mainly reflected in the impact on the total credit, credit industry structure, customer structure and product structure. The impact on the total amount of credit is: during the economic boom, the performance of enterprises is greatly improved, and the probability of default is reduced. At the same time, the value of collateral continued to rise, and the total amount of secured credit increased. The clear source of repayment and the full value of secured assets may prompt banks to increase the total amount of credit.

3. The fluctuation of economic cycle affects the result of credit operation.

The influence of economic cycle on credit operation results is mainly measured from two aspects: asset quality and profitability. In terms of asset quality, new loans from banks, loans from cyclical industries and small and medium-sized enterprises account for a high proportion and have a long term during the economic boom.

Extended data:

1. Maintaining the sustained and stable development of credit business is the fundamental goal of credit management. Commercial banks may be too optimistic or too pessimistic in the fluctuation of economic cycle, which often leads to excessive expansion or contraction of total credit, and the quality of credit assets fluctuates greatly, which seriously hinders the healthy development of commercial banks and even endangers their survival. Therefore, commercial banks must take sustained and steady development as the fundamental goal of credit management.

2. Rational allocation of credit resources is the main means to achieve this goal. Whether the economy is booming or declining, opportunities and risks always coexist. Banks should forecast the macroeconomic trend in a forward-looking way, adjust the credit policy and credit authorization moderately countercyclically, adjust the industry structure, customer structure and product structure in advance, optimize the allocation of credit resources, and lay the foundation for the healthy development of credit business in the economic cycle fluctuation.

Does the bank's loan business have an impact on itself?

Influential. Risk as a lender: If a loan contract is reached with the bank in your name, then you are the borrower and have to bear the repayment obligation. If your friend can't repay the loan due, first of all, your bank credit will be reduced, and you can't borrow money in the future. In addition, you will be paid by the bank and will use your other property to pay off your debts. Not your friend to pay the debt.

So much for the impact of the loan business.