Study On The Development Problem Of Transformation Of Chinese Commercial Banks From The Perspective Of Internet Finance

To speed up the transformation of the pattern of economic development, adjusting and optimizing the industrial structure is our country the current and future a long a period of macroeconomic regulation and control is a major problem facing. Our country’s macro economy is in a period of "economic growth is shifting stages, throes of structural adjustment and the stimulus digestion phase superposition of three periods of" the special period.How fast, nice and smooth through this period of economy, transform the national economy of upgrading needs of a modern market strong support of the financial system. But as a dominant force in the financial system in China’s commercial Banks are facing transformation development pressure, economic slowdown, speed up market-oriented interestrate,financial disintermediation deepening, market competition, strengthening supervision and changing new external operating environment, especially with the appearance of the Internet financial operating pressure and growth prospects of commercial Banks in China have some concerns.Internet financial to some extent can be seen as a postmodern financial revolution, new business model, full of cultural atmosphere, value creation and realization ways and decentralized management impact the commercial Banks of our country in all aspects. History is a major trend of the Internet financial to replace the function of the commercial Banks in some aspects. The rise of the Internet financial development for the transformation of our country commercial bank even if the challenge and opportunity, between Internet financial enterprises and commercial Banks in China is not a simple zero sum game, the imitator dynamic evolutionary game theory model analysis found that as long as there is a reasonable mechanism, can achieve a win-win situation between the two. As a result, the Internet financial commercial Banks in China under the new perspective of the transformation of the goal is to reconstruct the commercial bank in our country, the position and role of the financial system, to create innovative, pratt &whitney type commercial Banks.