Innovation Strategies Research On Internet Personal Financial Of Commercial Banks

The Internet finance is a new thing, the development of the Internet technology development of cloud computing, social network platform prompted the Internet financial, especially the third party payment platform rise, such as Alipay, P2P, peer-to-peer lending and other Internet financial new words appear continuously in people’s field of vision, the appearance of these internet bring financial mode great impact on traditional financial model, personal financial business of the banking industry is facing enormous challenges. The Internet financial business development means that personal financial business of traditional business of bank deposits is change, provided by the Internet finance business platform, people can through the Internet financial model, such as the balance of treasure, snow capped mountains, peer-to-peer lending loan, P2P form to the personal or corporate lending, and revenues than the funds deposited commercial banks more. Although China’s financial industry on the Internet has not made the corresponding legislation to regulate, but a series of policy, it is also shows that the Internet Financial this new financial forces have increasingly profound influence on banking industry. Commercial banks to continue to dominate the market in the financial field, fight for market share, must carry on the financial innovation, in the new financial situation, the traditional commercial bank financial business will not catch up with the trend of the times, but also the development of the Internet Financial makes commercial banks will no longer be handled only channel deposit, loan, exchange business. A variety of models of the Internet Financial provides customers with all kinds of funds deposit, loan, exchange business, competition becomes more and more traditional banking industry faces.This paper is based on the Internet financial innovation theory, based on Internet financial concepts are introduced on the Internet, analysis of the current situation of financial development in our country, the development trend of Internet Finance and reveal the path, type, and the combination of personal financial business of commercial bank characteristics were analyzed, and points out that the development and change of commercial bank personal financial business of existing under the situation of. At the same time, the practice of foreign commercial bank to develop the personal financial business in the Internet under the background of financial analysis, sum up the inspiration of personal financial business of commercial banks in China, and the Bank of communications of personal financial business development of the Internet as a case study, analyzes its development present situation, summarized the existing problems, so as to provide the Countermeasures of innovation for the commercial banks in our country how to develop personal financial business in the Internet financial background.