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Development of third-party payment has had some substitution effect on the intermediate business of commercial bank, meanwhile development of the network financing platform has reduced the loan demand of small and micro businesses from commercial bank to some extent, and hindered the business expansion of commercial banks in the field of small and micro credit. So there is no doubt to explore a new way to analysis the financial performance based on channel transition as soon as possible to make sure that the banks could catch up the fast development of micro business. KeywordsNetwork financing, Channel transition, Performance analysis

Analysis on Bank Performance Based on Channel Transition