2022年经济类paper写作--互联网金融对商业银行的影响_商业银行和互联网银行经济类paper写作--互联网金融对商业银行旳影响_商业银行和互联网银行 摆渡论文网--专业留学生作业教导中心 经济类paper写作--互联网金融对商业银行旳影响 Internet finance is a new fia s commercial Banks, but it has a great impact on the short-term asset business, mainly because the current Internet finance is dominated by short-term financing. The rise of third-party payment institutions has diverted some bank deposits, and users can transfer the surplus funds to alipay, which can be used for payment at any time. Users use yu ebao to invest short-term funds in financial management and gain profits. In addition, the yield of Internet financial management is significantly higher than that of bank deposit. Under the same conditions, users will choose Internet finance with higher yield. The emergence of alipay has broken the tradition that commercial Banks monopolize deposits and brought shock to the liability business of traditional commercial Banks. According to the statistical yearbook of China, the total amount of deposits in China s commercial Banks continued to grow from 2022 to 2022. In 2022, it dropped sharply from 231608 billion yuan in 2022 to billion yuan in 2022. However, the capital of Internet finance still flows to commercial Banks eventually, so the impact of Internet finance on the total deposits of commercial Banks is not obvious. The impact of Internet finance is only a small part of the total deposits of commercial Banks,
