The Research Of Business Cooperation Between Internet Financial Enterprise And Commercial Bank

With the rapid development of Internet technology in recent years, Internet finance, represented by the Internet payment, online lending,public financing,suddenly appeared on the horizon.Internet financial brings dramatic impact to the business of commercial banks,at the same time, Internet financial enterprises are aslo expanding the cooperation with commercial banks actively. The convenient and efficient business model of Internet financial enterprises has also attracted the attention of commercial banks,commercial banks want to take advantage of the information resources obtained via the Internet to share the profit of the emerging markets through cooperating with Internet financial. The research of cooperation between Internet financial enterprises and commercial banks is conducive to the optimization and innovation of business cooperation on the basis of recognizing both advantages and disadvantages of both sides of cooperation,the research has certain theoretical and practical significance.The paper firstly reviews and sorts out the possible cooperation models between Internet financial enterprises and commercial banks which were come up with by foreign scholars and the opinions of domestic scholars concerning the cooperation between Internet financial enterprises and commercial banks.Secondly the paper analyzes the basis of business cooperation and the framework of theoretical cooperation between Internet financial enterprises and commercial banks,the former contains the introduction of the advantagements and disadvantagements of Internet financial and commercial banks and the necessity and feasibility of cooperation.Thirdly the paper chooses several representative business cooperation models between Internet financial enterprises and commercial banks and introduces their operative process and characteristics among a large quatity of business cooperation models,then the paper analyzes the main achivements of these representative cooperation models and points out the existing problems,which is followed by introduction of two typical cases of cooperation.For the main achivements of these representative cooperation models in practice,the paper introduces them from severral aspects,that is business scale,income,cost and supervise. The paper aslo introduces the influence of the behavior of both sides of cooperation and regulators.At last, the paper draws lessons from foreign business cooperation models between Internet financial enterprises and commercial banks, the paper aslo puts forward the optimization of the business cooperation between Internet financial enterprises and commercial banks, which has a certain reference value.In the course of the study,the paper uses a variety of research methods.The comparative analysis method is not only used to carefully compare the characteristics of different cooperation methods,but aslo used to compare between the cooperation products and the similar products in the same industry,which is beneficial to distingwish their difference.In the analysis of some typical cases of cooperation between Internet financial and commercial banks,the paper describes the cooperation process and the effect of cooperation using case analysis method.Aiming at the quick payment model of AliPay,the paper uses SWOT analysis and points out its advantages,disadvantagets,opportunities and threats,which makes the complex information clear and makes the administrator of the payment platform clearly understand the situation of the enterprise before making decision and improve the accurancy of decision-making. This paper uses the game theory analysis method in the analysis of the business cooperation process between Yu e bao and commercial banks and points out the game strategies that should be taken by the both sides of cooperation to achieve the Pareto optimal state.