Influences Of Internet Financial On CCB And Countermeasures

Abstract:With the rapid development of the popularization of computer and the Internet, related to computers and the Internet information technology developing rapidly, cloud computing, big data, search engines, such as the development of new technology, and promote the emergence and development of the Internet financial. Internet financial means on Internet technologies, tools, and implement financing, payment and information intermediary business such as a new kind of financial intermediary, compared with the traditional banking industry, it has a low threshold, low cost, convenient use, etc.Internet financial involvement in the financial market caused great influence to the traditional banking, in order to define the Internet financial of traditional commercial Banks which influenced the concrete and the root cause of these effects, this paper takes China construction bank, for example, from the Angle of view of the construction bank, the method of SWOT analysis analyzed the influence of the Internet financial of China construction bank, and formulated according to the results of the analysis of the Internet financial background construction bank should take countermeasures. Results show that, under the background of the Internet financial, construction bank has rich resources, the consummation offline these advantages of risk control system; But, there is a lack of financial-IT interdisciplinary talents, the traditional business process trival, customer satisfaction is not high these weaknesses. In the face of unsaturated market space for development opportunities; And from the Internet financial enterprises weakened banking, encroach on the challenge of the financial markets. According to these effects, this article suggested that construction bank to take countermeasures:improve the efficiency of the allocation of resources, to seek cooperation; Perfect online business risk control; Introduce IT-financial talents; Optimize business processes, improve service quality. Expand the development space, make up for the fault needs; Promote internal research and development ability, speed up product innovation; Build a network marketing system, the traditional business development platform. In addition, this paper also analyzed "e-commerce" as an example, the consequence confirmed that the provided suggestions of this paper are effective and feasible.In this paper, we study the impact of Internet financial on CCB and the bank should take countermeasures for commercial Banks under the background of the Internet financial research has certain significance, for the traditional commercial Banks to participate in the activities of Internet finance and to develope the Internet financial products,this paper provides a theoretical reference and practical basis.