The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal
碩士 === 國立政治大學 === 金融研究所 === 103 === In recent years, there is a rapid growth on Internet Financial. The Internet companies have a great deal of user information so that they can provide financial services to the user base on their financial preferences. As the core of the domestic financial system,...
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ndltd-TW-103NCCU52140112015-10-14T00:52:31Z http://ndltd.ncl.edu.tw/handle/76687245794812470909 The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal 互聯網金融對商業銀行存貸業務的衝擊與其應對 Fu, Zi Tong 付子童 碩士 國立政治大學 金融研究所 103 In recent years, there is a rapid growth on Internet Financial. The Internet companies have a great deal of user information so that they can provide financial services to the user base on their financial preferences. As the core of the domestic financial system, what kind of impacts the commercial banks will suffered gradually become the focus of academic attention. In this context, we select the commercial banks as our study to find strategies to deal with the impact of Internet Financial In this paper, we are combing several business models of Internet Financial based on the former research. Apparently, Internet Financial has inevitable impact on the business of commercial banks as their businesses have overlap. Particularly, the bank deposits and credit loans are eroded by the Internet Financial products and P2P network lending. The data show that the business assets and liabilities of commercial banks have continued to decline in the early 2015.This paper draw the conclusion by the empirical and theoretical analysis: Internet Financial products will affect the bank deposit significantly in and shows negative correlation. The impact of P2P networks loans on bank credit loan is not significant as bank deposit, but it’s still one of the important reasons. Finally, we use SWOT analysis to analyze commercial banks and make recommendations for the future development of the bank according to its own characteristics: through innovation of strategy, function and business to cope with the severe competitive environment. We are hoping to provide help to later readers. Chen, Wei Kuang Lin, Ching Ting 陳威光 林靖庭 學位論文 ; thesis 50 zh-TW |
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碩士 === 國立政治大學 === 金融研究所 === 103 === In recent years, there is a rapid growth on Internet Financial. The Internet companies have a great deal of user information so that they can provide financial services to the user base on their financial preferences. As the core of the domestic financial system, what kind of impacts the commercial banks will suffered gradually become the focus of academic attention. In this context, we select the commercial banks as our study to find strategies to deal with the impact of Internet Financial
In this paper, we are combing several business models of Internet Financial based on the former research. Apparently, Internet Financial has inevitable impact on the business of commercial banks as their businesses have overlap. Particularly, the bank deposits and credit loans are eroded by the Internet Financial products and P2P network lending. The data show that the business assets and liabilities of commercial banks have continued to decline in the early 2015.This paper draw the conclusion by the empirical and theoretical analysis: Internet Financial products will affect the bank deposit significantly in and shows negative correlation. The impact of P2P networks loans on bank credit loan is not significant as bank deposit, but it’s still one of the important reasons.
Finally, we use SWOT analysis to analyze commercial banks and make recommendations for the future development of the bank according to its own characteristics: through innovation of strategy, function and business to cope with the severe competitive environment. We are hoping to provide help to later readers.
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author2 |
Chen, Wei Kuang |
author_facet |
Chen, Wei Kuang Fu, Zi Tong 付子童 |
author |
Fu, Zi Tong 付子童 |
spellingShingle |
Fu, Zi Tong 付子童 The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal |
author_sort |
Fu, Zi Tong |
title |
The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal |
title_short |
The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal |
title_full |
The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal |
title_fullStr |
The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal |
title_full_unstemmed |
The Impacts of Internet Financial on the Deposit and Loan of Commercial Banks and Disposal |
title_sort |
impacts of internet financial on the deposit and loan of commercial banks and disposal |
url |
http://ndltd.ncl.edu.tw/handle/76687245794812470909 |
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