关键词: 互联网金融, 商业银行, 绩效

Abstract: Firstly, this paper analyzes the influence mechanism of internet finance on traditional commercial banks from the perspectives of bank assets, liabilities and payment and settlement. Then, based on the data of 79 commercial banks in China from 2010 to 2018, a variety of estimation methods are used to conduct empirical analysis. The results show that internet finance has obvious negative impact on the performance of commercial banks in China. The financial development level and other factors also produce important impacts from different aspects. The test results of impact mechanism confirm that the development of internet finance has brought significant negative impact on banks' net interest income and noninterest income, which further influences bank's performance. The heterogeneity tests show that the impact of internet finance on agricultural commercial banks' and city commercial banks' performance is greater than that on stateowned large and mediumsized banks. Banks located in the eastern regions, carrying out crossregional operations and with higher innovative abilities can better respond to the impact of internet finance. In the new financial ecology, the deepening integration of information technology, and accelerating transformation and innovation of Fintech are the important strategic approaches of further sustainable development for traditional commercial banks.

Key words: internet finance, commercial banks, performance