Research on the Impact of Internet Finance on Systematic Risks of Commercial Banks
- DOI
- 10.2991/icemse-19.2019.140How to use a DOI?
- Keywords
- internet finance, commercial banking, systemic risk, conduction path
- Abstract
The rapid development of Internet finance has profoundly affected China's financial structure. As the indirect financing of banks is the main financing channel for China's economy, the number of commercial banks and the depth and breadth of participation in economic activities far exceed those of brokers and insurance companies. Commercial banks were also the most affected when internal and external shocks came. Based on the literature review, this paper first summarizes the impact path of Internet finance on commercial banks and puts forward hypotheses. Secondly, this paper draws on the existing indicators, starting from the deposit and loan business, using SPSS for relevant analysis and found that the systematic risk of commercial banks is positively correlated with capital adequacy ratio, liquidity ratio, credit growth rate and non-performing loan ratio. Finally, this paper summarizes the existing research deficiencies and proposes possible future development directions.
- Copyright
- © 2019, the Authors. Published by Atlantis Press.
- Open Access
- This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).
Cite this article
TY - CONF AU - Ming Xiao PY - 2019/09 DA - 2019/09 TI - Research on the Impact of Internet Finance on Systematic Risks of Commercial Banks BT - Proceedings of the 2019 3rd International Conference on Education, Management Science and Economics (ICEMSE 2019) PB - Atlantis Press SP - 607 EP - 610 SN - 2352-5428 UR - https://doi.org/10.2991/icemse-19.2019.140 DO - 10.2991/icemse-19.2019.140 ID - Xiao2019/09 ER -