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Academic Journal of Business & Management, 2020, 2(5); doi: 10.25236/AJBM.2020.020506.

Analysis on the Profit Model Transformation of Commercial Banks Under the Background of Internet Finance


Hualei Ju 1, Guodong Zhang 1,*

Corresponding Author:
Guodong Zhang

1 College of Economics, Northwest University of Political Science and Law , Xi’an 710122, China
*Corresponding author e-mail:zgd19981214@icloud.com


With the widespread application of big data and cloud computing technology, Internet finance represented by third-party payment and peer-to-peer lending is constantly impacting traditional financial institutions represented by commercial banks with its advantages. This paper adopts the two-way fixed effect regression of panel data, and conducts theoretical analysis on related theories covering the transformation of Internet finance and commercial bank profit model. In this paper, the relevant data of 15 representative commercial banks in China from 2010 to 2017 was selected, and panel data was collected to build a model. After empirical testing, it is concluded that Internet finance has a negative impact on the profitability and profit structure of traditional commercial banks. Based on this, this paper proposes measures for the transformation of the profit model of commercial banks in China.


Internet finance, commercial bank, profit model

Cite This Paper

Hualei Ju, Guodong Zhang. Analysis on the Profit Model Transformation of Commercial Banks Under the Background of Internet Finance. Academic Journal of Business & Management (2020) Vol. 2, Issue 5: 52-62. https://doi.org/10.25236/AJBM.2020.020506.


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