Financial Of The Internet Impact On Traditional Business Of China Minsheng Bank

In recent years, with the development of cloud computing, big data, social networking platforms as the representative of Internet communication technology, The Internet banking developed rapidly. Internet banking penetration gradually to the traditional financial sector,such as pay for a third party on behalf of the payment and settlement patterns; raise the public, P2 P, electricity providers, represented by a network of small loans credit model and the "balance of treasure" as the representative of the channel business model and other new Internet banking model has emerged.The internet banking impact on the traditional business of commercial banks. Making the capital market intermediary commercial banks are no longer a dominant situation, declining in market demand for commercial bank intermediaries.In this context, the artical summarizes the basic concepts of Internet banking, characteristics and development status and problems in the development, details of third-party payment mode, all chip mode, status quo and development, "the balance of treasure" model and future prospects. On this basis, this paper analyzes the causes of the financial liabilities of Internet services, intermediary business, the business assets of the three commercial banks, as well as the impact of traditional business Minsheng Bank affected the traditional business of China Minsheng Bank(hereinafter referred to as "Minsheng Bank") is. Minsheng Bank’s traditional business obtained by a greater financial impact of the Internet, traditional business reasons Minsheng Bank is mainly affected in the Internet Minsheng Bank’s financial background of traditional business model and Minsheng Bank’s Internet banking product design, there are many deficiencies in in conclusion.Finally, based on the foregoing analysis, summarized above, we propose countermeasures in the Internet financial background Minsheng Bank, Minsheng Bank in the context of the future development of Internet banking and the line into new advantages to provide ideas.