Development Strategies of Commercial Banks in the Context of Internet Finance

2020 ◽  
Keyword(s):  
Commercial Banks ◽  
Development Strategies ◽  
Internet Finance

Financial Industry Under Entrepreneurial Ecosystem

2020 ◽  
pp. 132-147
Author(s):  
Xiaomin Du ◽  
Xiangxiang Lang
Keyword(s):  
Developing Countries ◽  
Interest Rates ◽  
Commercial Banks ◽  
Negative Impact ◽  
Bank Performance ◽  
Financial Industry ◽  
Banking Business ◽  
Internet Finance ◽  
The Government ◽  
New Policies

Due to the three functions of cost reduction, disintermediation, and information asymmetry, internet finance continues to impact the traditional banking business in the financial industry, posing a new competitive risk for commercial banks. In developing countries such as China, given the imperfect development of the financial market, the government needs to introduce a series of policies, but new policies will bring the risk of market uncertainty. Due to the double uncertainty of the market and the system in developing countries, commercial banks are caught between competitive and new policy risks. Therefore, exploring the impact of these two risks on the performance of commercial banks is very important to allow commercial banks to discern, resist, and respond to risks. This research uses the data of A-share listed banks for the past 10 years. Empirical research shows that internet finance and interest rate liberalization have a negative impact on bank performance. The liberalization of interest rates further increases the negative impact of internet finance on bank performance.

scholarly journals Impact of internet finance on the performance of commercial banks in China

2020 ◽  
Vol 72 ◽  
pp. 101579
Author(s):  
Jichang Dong ◽  
Lijun Yin ◽  
Xiaoting Liu ◽  
Meiting Hu ◽  
Xiuting Li ◽  
...  
Keyword(s):  
Commercial Banks ◽  
Internet Finance
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