关于互联网金融对商业银行盈利影响的实证研究
An Empirical Study on the Impact of Internet Finance on the Profitability of Commerical Banks

随着互联网技术的不断普及，互联网金融企业在近些年获得了快速的发展。互联网金融的盈利模式丰富多样，包括支付宝和P2P等。这无疑会给在传统金融中介机构中占据最重要地位的商业银行造成一定的冲击，互联网金融的发展对于商业银行来说既是机遇又是挑战，在制约其发展的同时又推动了银行业的不断进步。本文采用实证分析的方式进行论述，通过Eviews10软件对相关的面板数据进行回归分析，并且得出网上银行交易规模与第三方支付交易规模都对商业银行的总资产收益率有着负向影响的结论，最后提出相关建议，以期为商业银行的未来发展道路提供借鉴。
With the continuous popularization of Internet technology, Internet financial enterprises have achieved rapid development in recent years. Internet finance has a wide range of profit models, in-cluding Alipay and P2P. This will undoubtedly impact the commercial banks which occupy the most important position in the traditional financial intermediaries, interest income is the main profit model of commercial banks, and this profit model is out of date at present. The development of In-ternet finance is both an opportunity and a challenge for commercial banks, which restricts their development and promotes the continuous progress of the banking industry. In this paper, empiri-cal analysis is used to discuss. Regression analysis of related panel data by Eviews10 software. It is concluded that both the scale of online banking transactions and the scale of third-party payment transactions have a negative impact on the return on total assets of commercial banks. Finally put forward relevant suggestions, in order to provide reference for the future development of commer-cial banks.