The Research Of Strategies For Commerical Banks Under Trends Of Internet Finance

With sprawling development of internet finance, third-party payments,P2P Loans, mobile payment and other internet-based companies participatedin financial industry and made great impacts on traditional commercialbanks.This thesis explained the basics of internet finance first, and illustrated theorigin and development of the internet finance in China and other countries.By comparing the advantages and disadvantages between internet financeand commercial banks in Chapter2, this thesis further analyzed the greatimpact which internet finance brought to commercial banks.Chapter3conducted a survey about internet finance in three sectors:financial habits, service experience and future prospect on internet finance. Itanalyzed the driving factors for clients to purchase internet finance productsand their future prospect on internet finance.Chapter4illustrated and analyzed the measures that commercial bankstook to resist internet finance including finance-internetlization, big-dataanalysis, E-business platform and strategic cooperation.Chapter5raised four strategic suggestions for commercial banks todevelop under trends of internet finance including financial innovation,cross-industry cooperation, customer service improvement and talentscultivation.