The Analysis Of The Internet Financial Impact On China’s Commercial Banks

In recent years, Internet banking concept gradually into public life, was known by the public, it is in itself an absolute advantage developed rapidly. On the Internet itself, which by virtue of its own strong technical platform and technical advantages, from the customer point of view, focus on customer needs, while its low-cost operation of all sectors of society with a strong economic impact. For the financial industry, the development of Internet banking will undoubtedly give them a strong impact, its flexible financial products Internet marketing tools as well as vivid convenient way to invest a portion of the inflow of funds in the banking system that flows into the Internet banking system go; the rise of third-party payments, such as public financing during the fast, transparent, low cost integrated into the capital market, landing a fee income of commercial banks; and Internet banking Powerful Data storage and rapid dissemination of information and open mode of operation seems to be more in line with the public’s life, closer to public life, which undoubtedly give a strong pressure on the commercial banks.It began early last year, in the face of fierce competition, commercial banks time to adjust their development strategies, have taken various measures to finance their own development and the Internet combined with the strategic restructuring commercial banks. However, when commercial banks began to look from its previous 20% of high net worth customers transferred to SMEs and small and micro enterprises at a time when the Internet financial companies have pre-empted in these small businesses, the use of its advantages of their own development, They have a place in these areas.Overall, the macroeconomic policy response to the changing environment and the continuous development of our financial markets, and the rapid development of the financial disintermediation and Internet finance. China’s commercial bank deposit and loan spreads traditional profit margins being squeezed, transformation profit model, optimize the revenue structure became improve business profitability level of the bank’s an important issue. However, long term, along with the online trading market size and growth, coupled with regulatory authorities to finance this growing Internet become clear attitude towards the development of new economic powers, which will make the Internet finance further credit creation and financing services like commercial banks core business produces fundamental and profound impact on the commercial banks.From the perspective of commercial banks starting combing through Internet financial analysis, the financial impact of the Internet on China’s commercial banks in-depth analysis, with the current commercial banks have the advantage, combined with the advantages of internet banking development, proposed commercial banks to deal with the Internet Financial policy recommendations to achieve its own sustainable development.