The Research Report Of The Residents Internet Banking Financial Impact Of The Commercial Banks

With the development of Internet technology, its application has pervaded every aspect of our life. With Internet technology and the traditional financial business integration of financial industry has a profound influence to our country. The birth of the Internet financial management, in particular, the traditional offline financing business moved to online, greatly simplifies the process and improve the finance customer experience.Represented by the balance of treasure of Internet financial management products, with its good liquidity, far higher than the yield of bank demand deposits, low barriers to entry,attracted a large number of individual customers and caused a significant impact on Banks of traditional mode of operation, the shunt part of bank deposits. Represented by the commercial Banks in China’s traditional financial institutions caused a huge impact.Based on the selection of areas of central China in wuhan city as a sample, based on 782- bit 18 to 60 respondents, the questionnaire survey in wuhan city based on their basic situation, the current financial status(mainly the traditional bank financing way), the cognition of Internet banking, and the prospect of information, the Internet anticipation from several aspects such as market research, and tried to explain to some theoretical research and,at the same time according to the survey results analyzed the influence of the Internet banking to the traditional commercial banking and put forward corresponding opinions and Suggestions.