Research On The Countermeasures Of Commercial Banks Based On Internet Banking

The rapid development of Internet technology,for our domestic Internet companies to bring unlimited vitality, they mastered the massive user funds and financial needs of the data, and continue to carry out financial innovation,from providing customers with a simple payment and settlement business penetration into the current mobile payments,small loans,asset management, consignment management and so on the traditional commercial banking services. In the context of the new era of Internet banking,some of the outstanding Internet companies focused on providing professional and specific financial platform,attracting a very impressive number of users, the formation of their own financial model,individual business and even enough to compete with the major commercial banks,which means that the Internet banking and traditional financial industry has opened the prelude to war.Internet banking has a very broad application prospects. Under the new situation of Internet banking platform in payment settlement,consignment financing,small loans, supply chain finance, and many other traditional financial areas have achieved extraordinary achievements,such as mobile payments,micro channel payment,P2 P net loan,the congregation raised, big data finance and other ways to provide customers with more, more convenient,more preferential services,has been a lot of business areas of traditional commercial banks have a subversive impact.Starting from the domestic network of Internet banking development and research situation,pointed out that under the background of the new era of Internet banking traditional commercial banks and new Internet banking platform competition is becoming increasingly fierce. In the process of the analysis,the paper expounds and analyzes the competition environment,and analyzes the opportunities and challenges of the traditional commercial banks in the new era of Internet based on PEST and SWOT two. Secondly,through the Internet banking five models,namely,the third party payment,P2 P net loan,big data finance, public financing, information and financial institutions,the development of the general situation and operation mode analysis,and use the current advanced Internet banking case to carry out the evidence,and then get internet banking five new models of traditional commercial banks. Finally,the design of the Internet banking era of the new development model of traditional commercial banks.Internet banking business in China is developing rapidly,but the relevant research data, data is not very rich,in addition,the theoretical analysis and design results in the paper are still many deficiencies,I hope you criticize.