| Internet technology and the rapid development of financial markets innovation has meet customers’ diversified demand for personalized products in fast, easy and inexpensive. At this stage, although there are some potential risks of Internet banking, for example, the risk of illegal fund-raising fraud risk and credit risk, liquidity risk. These potential risks in the short term yet have some impact, but the rapid development of the Internet of the financial industry, gave an enormous impact on the banking sector, Forced commercial bank reform and innovation, in order to bring the commercial banks against internet banking adverse effects. It also make the impact of the financial position of commercial banks, the impact of philosophy, the impact of the business model, the impact of the service model and the impact of income sources of commercial banks.In this market context, this paper how the commercial banks with advanced technology, innovative models, the concept of Internet financial services, to expand, and the transformation of traditional balance-sheet business. Study found that Internet banking penetration commercial bank financial services major modes include, to the agency, information technology, and resource allocation to optimize these three advantages. In this study, the Internet bank balance-sheet financial background of business transformation issues subject sheet of commercial banks in business, finance and public finance mode Internet theoretical analysis, specifically on the banks balance sheet business within the forward mode, the outsourcing model, intermediate model and operational mechanisms for analysis, and case studies.In addition, commercial banks balance sheet business transformation empirical analysis, a comprehensive analysis of industrial policy in the basic trend of the future, based on the results of commercial banks balance sheet business transformation strategy, corporate finance and Internet penetration strategy policy recommendations. |
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