Proceedings of the 2019 3rd International Conference on Education, Management Science and Economics (ICEMSE 2019)

Research on the Impact of Internet Finance on Systematic Risks of Commercial Banks

Authors
Ming Xiao
Corresponding Author
Ming Xiao
Available Online September 2019.
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/).

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Volume Title
Proceedings of the 2019 3rd International Conference on Education, Management Science and Economics (ICEMSE 2019)
Series
Advances in Economics, Business and Management Research
Publication Date
September 2019
ISBN
978-94-6252-796-6
ISSN
2352-5428
DOI
10.2991/icemse-19.2019.140How to use a DOI?
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  -