The rapid development of Internet finance has profoundly affected China's financial structure. As the indirect financing of banks is the main financing channel for China's economy, the number of commercial banks and the depth and breadth of participation in economic activities far exceed those of brokers and insurance companies. Commercial banks were also the most affected when internal and external shocks came. Based on the literature review, this paper first summarizes the impact path of Internet finance on commercial banks and puts forward hypotheses. Secondly, this paper draws on the existing indicators, starting from the deposit and loan business, using SPSS for relevant analysis and found that the systematic risk of commercial banks is positively correlated with capital adequacy ratio, liquidity ratio, credit growth rate and non-performing loan ratio. Finally, this paper summarizes the existing research deficiencies and proposes possible future development directions.

In this paper, we present UBackup, which describes an easy way to build a private cloud storage system with high-efficient and high-disaster-tolerance. UBackup client enables file-level de-duplication by using a file fingerprint check. The utilization of compressed erasure code algorithm ensures data security and cuts down the cost. A space utilization rate variance minimizing algorithm is used on index server to balance system load. We present the system architecture of UBackup and its components, and we have implemented a proof-of-concept prototype of UBackup. By conducting performance evaluation in a public Internet, experimental results demonstrate the efficiency of the system.

We present a cross-cloud storage architecture that protects both user’s data and privacy from cloud providers or potential adversaries by leveraging the concept of Oblivious RAM on a logical layer. Our architecture allows users to conceal reading/writing operations and access sequences from clouds in order to prevent the leakage of access patterns, which may be a threat to data security. In addition, an anonymity preserving mechanism applied in our architecture makes it difficult to track users' data or confirm users' identities, which can effectively protect users' privacy. One Cloud, the proof-of-concept prototype of our architecture integrates four major cloud storage services and implements all key techniques we proposed in our architecture. We deploy it in a real-world network environment to analyze and evaluate the performance and the scalability of our architecture.

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With the steady growth of residents' disposable funds, the potential demand for wealth management by Chinese people continues to increase, and college students are gradually becoming an important group of Internet wealth management products. Among them, as a large-scale domestic money fund, Tianhong Yu'ebao Money Fund has a certain representativeness. However, in the past two years, the annualized rate of return from the Yu'ebao Money Fund has been declining, which is followed by the loss of investors. By combing the relevant literatures on perceived risk and willingness to use, this paper puts forward hypotheses. Meanwhile, based on the existing related research, this paper constructs the measurement indicators and use SPSS software to scale the data collected for correlation analysis, in order to explore the impact of investors' perceived risk on the investment behavior of wealth management products, and finally draw conclusions and make recommendations from the perspective of enterprises and investors.