互联网金融对商业银行负债业务的影响.docx

目录
1互联网金融的特征与发展现状 3
3
3.
4.
4.
5.
network platform of credit loan is different from the operation mode of commercial sides of capital supply and demand are dependenton the platform to find duration amount， interest rates match each other， you can quickly complete the loan on the only the procedure is very simple， the operation is also very simple， more suitable for individual needs， to meet the needs of customers， is recognized by the banking greatly reduced the income of commercial banks， commercial banks， income is mainly spread income. The rapid rise and rapid development of Internet banking so that price discovery function， to promote the interest rate financial model to break the interest rate of commercial banks
， there is a fixed characteristic， it can reflect market supply and demand sides through the market price preference， Internet financial model， will lead to the marketization of interest rate， commercial bank's pricing power is not restricted by the central bank's benchmark interest rate banking will make use of its high efficiency ， convenience， low cost and other features to attract customers of commercial banks.
In the past, the reduction of commercial bank customers, thereby affecting th