Abstract
By diverting customers, squeezing the scale of deposit and loan business and raising the cost of capital, internet finance can reduce the interest rate spread of commercial banks and compete with them in many fields. This paper adopts the method of literature review to comb and study the relevant literature of Internet finance, the profit model of commercial bank, the impact of Internet finance on the profit of commercial bank and the relevant literature of improvement, on this basis, this paper discusses the impact of Internet finance on commercial bank profit model in the future research direction.
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