Empirical Study on the Impact of Internet Funds on the Profitability of China's Commercial Banks

This paper proposes to explore the correlation between the profitability of Internet funds and commercial banks, through the construction of a multivariate linear regression data model, select multiple sets of explanatory variables, and use the data from the first quarter of 2009 to the third quarter of 2021 as a research sample, and use the Eviews tool for empirical analysis. The empirical results show that stock Internet funds and bond Internet funds have a certain influence on the profitability of commercial banks, while hybrid funds have a relatively weak influence on commercial banks. In view of the differential impact of different types of Internet funds on the profitability of commercial banks, this paper analyzes the reasons and finally provides feasible countermeasures and suggestions for commercial banks to optimize their profit models.