摘要
Abstract
The rapid development of Internet finance has brought resource re- allocation of the whole financial system and great challenges to the profit model of the traditional commercial banks.Using the Delphi Questionnaire & Fuzzy Analytic Hierarchy Process,and blurring the experts'two measurement results of the index weight,we can get the comprehensive weights of the index so as to construct the Measure Index System.To study Internet finance impact on the commercial bank profit,we can easily find that the Internet finance has great influence on the lia-bilities of commercial bank and less effect on the assets and the intermediate business of commer-cial bank,and then shows great impact on the profit generated by the former and small influence on the profit generated by the latter.Considering this,we can't ignore the effects Internet finance has on the profitability of the commercial banks in these two aspects.The study also reveals the rationality of the measure index system that the experts participating in constructing and the ac-curacy of the expert measurement result,which can offer technical support for the commercial bank to prevent the financial risks under the influences of Internet finance.关键词
互联网金融/商业银行/盈利影响/测度指标体系Key words
Internet finance/Commercial banks/Profit impact/Measure index system分类
管理科学
