互联网金融对商业银行零售业务盈利能力的影响研究

Study on the Impact of Internet Finance on Commercial Banks’ Retail Business Profitability

摘要: 随着互联网金融的发展，越来越多的消费者选择在网上办理银行业务。研究互联网金融对商业银行零售业务盈利能力的影响，可以帮助商业银行了解市场趋势，及时调整业务战略。本文对国内的互联网金融发展状况以及在互联网金融的背景下，商业银行零售业务的发展变化进行了说明。基于前文，本文探讨了互联网金融对中国银行业零售业务盈利能力的影响作用。

Abstract: With the development of Internet finance, more and more consumers choose to handle bank transactions online. Studying the impact of Internet finance on the profitability of commercial banks’ retail business can help banks understand market trends and adjust business strategies in a timely manner. This article explains the development of domestic Internet finance and the changes in the development of commercial banks’ retail business under the background of Internet finance. Based on the previous content, this article discusses the impact of Internet finance on the profitability of China’s banking industry’s retail business.