Author(s)

Na Pu

Corresponding Author

Na Pu

Abstract

The rapid development of Internet technology has had a major impact and impact on various industries, especially the financial industry. The development of technologies such as big data, cloud computing, and mobile Internet has changed the underlying material technology structure of the financial industry, changed people's financial consumption patterns, and also spawned the emerging financial industry - Internet finance. This paper focuses on the impact of Internet finance on commercial banking and how banks should face the impact of Internet finance. After introducing the analysis of expected future earnings, it is found that the optimistic expectation for the future will significantly reduce the probability of Internet financial companies and banks forming alliances, and intensify market competition, thus making the structure of the entire financial market more dispersed.

Keywords

Internet Financial Strategy, Financial Market Structure, Impact Study