中文摘要：

本文从风险管理、经营效率、盈利水平和风险传染四个维度，剖析了互联网金融对商业银行风险承担的影响机制。运用2003—2014年中国143家商业银行的数据，本文实证检验了互联网金融发展对商业银行风险行为的影响。研究表明：（1）互联网金融的迅猛发展使得商业银行风险管理发生变革，经营效率得到有效提升，弥补了其在盈利性及风险方面不利的冲击，降低商业银行破产风险，促进了整个金融体系的稳定。（2）互联网金融对不同类型的商业银行风险行为的影响具有差异性；股份制商业银行的风险承担降低，大型商业银行、城市商业银行和农村商业银行均有不同程度提升，其中城市商业银行破产风险提升程度最大。因此，商业银行需要立足自身特点，有度有节地融合互联网金融，降低整个金融体系的风险。

英文摘要：

This paper analyzes the mechanism of Internet finance＇s impact on commercial banks＇ risk- taking from four dimensions： risk management, operation efficiency, profitability and risk contagion. Using the data of 143 Chinese commercial banks from 2003 to 2014, this paper tests the impact of Internet finance development on commercial banks＇ risk-taking. The results show that the rapid development of Internet finance improves the commercial banks＇ risk management and operating efficiency, compensates for its adverse impact on profit and risk while reducing the risk of bankruptcy of commercial banks and promoting the stability of the entire financial system. The effects of Internet finance on different types of commercial banks are different. The risk-taking of joint-stock commercial banks gets reduced while the risk-taking of large commercial banks, city commercial banks and rural commercial banks is increased. The bankruptcy risk of city commercial banks gets increased mostly. Therefore, commercial banks need to promote the entire financial system stability by making use of Internet finance in a reasonable way based on the natures of commercial banks.