Research About the Impact of Internet Finance on Commercial Banks and Banks’ Corresponding Tactics

Last modified: June 7, 2022
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Project Title: Research About the Impact of Internet Finance on Commercial Banks and Banks’ Corresponding Tactics
Author: Ying Gong
Advisor: Assistant Profesor Qiu Chao
Degree: MMaster of Business Administration (International Program)
Major: Business Administration
Faculty: Graduate Schools
Academic year: 2016

Citation

Ying, Gong. (2016). Research about the impact of internet finance on commercial banks and banks’ corresponding tactics. (Master’s independent study). Bangkok: Siam University.


Abstract

With the rapid development of the Internet industry, the relationship between financial industry and the Internet is more and more close, and Internet finance gradually emerged. Since 2013, the Internet financial model drew the public’s attention gradually, and granted the public with new understanding and awareness of the Internet finance. A typical representative is “Yu ‘E Bao”; with its low investment threshold, relatively high annual rate of return and the “T+0″ transactions mode, “Yu ‘E Bao” spread rapidly in financial markets and won the majority of investors. With the popularity of “Yu ‘E Bao”, a large number of similar Internet financial products emerged in the market. Internet financial products are mainly aimed at the majority ordinary investors whose small and idle funds are usually neglected by commercial banks; but Internet financing platforms may obtain higher rate of return for investors through the accumulation and reinvestment of the idle funds. The birth of the Internet financial products not only wakes up the ordinary people’s financial management concepts, but also brings vitality to the small and idle funds in bank accounts. In this paper, the theoretical analysis and empirical research are integrated. This paper first discusses the development process of Internet finance and its operation mode, and then analyzes the impact of Internet finance on commercial banks. In empirical research, this paper selects 12 listed banks to analyze the impact of Internet finance on their profitability. Finally, based on the analysis of the study done, this paper proposes conclusions and constructive recommendations.

Keywords: Internet finance, Commercial bank, Profit model, Corresponding tactics.


Research About the Impact of Internet Finance on Commercial Banks and Banks’ Corresponding Tactics

International Master in Business Administration (IMBA), Siam University, Bangkok, Thailand

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