Second, the impact on the asset bus

Second, the impact on the asset business of commercial banks. Asset business is the business that forms the main source of income for commercial banks, and is the main way for commercial banks to generate profits. Loan is the main form of asset business. Under the background of financial science and technology, the impact on the loan business of commercial banks mainly comes from crowdfunding and P2P network loan. The emergence of crowdfunding and P2P network lending provides more choices for enterprises and individuals in the process of financing. Compared with the complex loan process of commercial banks, the advantages of using P2P and crowdfunding are simple business process, high approval efficiency, short loan cycle, and improved user experience. Although the strict loan approval system of commercial banks reduces the risk of non-performing rate, it also loses some high-quality customer resources to some extent. In addition, under the influence of economic development and financial supervision, the problems in the extensive operation mode of traditional commercial banks' asset business are gradually exposed, and the product innovation ability is insufficient. The potential demanders of funds in the financial market begin to turn to crowd financing and P2P network lending, which leads to the "shrinking" of commercial banks' asset scale.