Study On The Impact Of Commercial Banks And Countermeasures Of Internet Finance

In recent years, with the rapid development of Internet banking, and to traditional commercial banking tremendous impact. What is the reason such a rapid development of Internet banking can what is? What are the implications and inspiration it gave the traditional commercial banks, this paper focuses on the study of these issues.Firstly, the definition describes Internet banking, features and elements, mode current financial development of the Internet there are third-party payment service, P2 P lending, wealth management services, all chips, online lending, having convenient for business, parties to the transaction information symmetry, high efficiency of resource allocation and risk unique characteristics.Next, mainly from the commercial banks, financial regulation and financial business three angles analyzed the financial impact of the Internet on traditional commercial banks, the monopoly of traditional commercial banks are seriously threatened, its business model, management and competitive model has been a great change, the traditional sources of revenue, customer base and credit intermediation role of commercial banks have been greatly affected.Finally, the assets of the business, intermediate business, debt service and risk management point of view of the implications of the four commercial banks Internet banking brings. Commercial banks should strengthen cooperation with Internet companies to accelerate business innovation and transformation of credit, innovative risk management mechanisms; liability business major draw inspiration from innovative deposit interest rates, payment platform and other aspects; risk management primarily from policies and regulations, network technology, business management and other aspects of the commercial banks to bring enlightenment.