| In recent years, the rapid development of the Internet financial has brought about thehuge impact on the traditional financial. Why do the Internet financial develop so quickly?What influences and enlightenments has the Internet financial brought to the traditionalfinancial, especially the commercial banks? This article mainly studies the above problems.This article first expounds the modes and characteristics of the Internet financial. Themain modes of Internet financial at home and abroad are third-party payment, product sales,network data loans, peer-to-peer lending, the raise and the network bank, etc. It has manyfeatures, such as big data applications, operation mode diversification, the open managementenvironment, transparency of the operation and management mechanism, efficient andconvenient service as well as inclusive finance etc.Secondly, combining with the "Ali financial" case, this paper analyzes the reasons of thefast development of the Internet financial in-depth. Through constructing a new platform,providing new financial experience, implementing the strategy of differentiation, attractingsmall customers, creating new trading rules, the Internet financial has reduced the transactioncosts greatly and leaded the main body ideas and behavior ways of market. That is the point.From the aspects of commercial banking institutions, financial regulation and financialbusiness, etc, the paper studies how the Internet financial influence the commercial banks.From where the commercial banking institutions stand, intermediary function is weakened,management modes as well as manners are being challenged and competition mode ischanged; As to the financial regulation, monetary policy, financial information security, legalrules and regulations are affected; In the terms of financial business, traditional businessrevenue of commercial bank, customer base, financial strategy, business competitiveness andfinancial intermediary function are under its influence. |
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