互联网金融对商业银行盈利影响测度研究——基于测度指标体系的构建与分析

互联网金融从萌芽到快速发展，带动了整个金融体系资源配置的变化，对传统商业银行盈利模式带来了巨大挑战。若采用德尔菲法问卷调查与模糊层次分析法为基础，并将专家对指标权重的两两测度结果进行模糊处理可获得指标的综合权重，从而构建测度指标体系。以此研究互联网金融对商业银行盈利影响就会发现，互联网金融对商业银行负债影响较大，因而对商业银行盈利产生较大影响；对资产类和中间业务的影响较小，因而对商业银行盈利所产生的影响也较小，因此，不可忽视互联网金融在这两个方面对商业银行盈利能力的影响。研究还发现，专家参与构建的测度指标体系是合理的，专家测度结果是准确的，可为商业银行在互联网金融影响下防范风险提供技术支持。

A Study on the Measure of Internet Finance Impact on Commercial Bank Profit: Construction and Analysis of Measurement Index System

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.