Study On The Mutual Development Strategy Of Internet Financial And Commercial Banks

The rapid development of big data, cloud computing, platform construction, improved the availability of financial services, made it timeliness and convenient. At the same time, due to the constraints of traditional commercial banks’credit policy, internet finance has an opportunity to develop. Third-party payment platform, P2P network, the loan suggests, Internet finance brings us quick and personalized service and experience. Internet is changing the financial industry competition pattern of financial forms, also contributed to the financial consumption patterns and trading behavior change. Due to the lower transaction cost, the more efficient and faster configuration, Internet finance make up for the deficiency of the traditional financial services, provides a more real economy development level of support. At the same time. Internet finance made a comprehensive and lasting effect on commercial banks. So this paper aims to study the development of the Internet finance and its impacts on commercial banks, put forward a set of strategies for the healthy development of Internet finance and commercial banks, make sure both can serve the financial industry better and better.The paper includes six parts:the first part focuses on the research of internet finance in China and its related literature about the impact on commercial banks; The second part focuses on the development of internet finance in China; The third part studies the impact from internet finance on commercial banks; The fourth part cames SWOT analysis of commercial banks; The fifth part mainly aims at the research results of the above, put forward a set of strategies for the healthy development of Internet finance and commercial banks; The sixth part has a summary and prospect.We did see the internet finance has the advantage to deal with the problem of the small and medium-sized enterprises’financing difficulties, and internet finance also brings us a new thinking, a new experience and much innovation. And also, we should pay special attention to the risks from internet finance and make sure it can has a lasting development. At the same time, we should strengthen the construction of commercial banks from its thinking level in macro, its business areas and specific aspects to make commercial banks have stronger competitiveness. Importantly, the two can cooperate with each other closely together, and make contributions to the development of Chinese financial industry more perfectly.