The Impact Of Internet Banking On The Loan Business And Bank’s Coping Strategies Of Commercial Banks

With the rise and wide applications of Internet, Internet Finance began development with the continuous development of the Internet information technology. The financial innovations business, such as Yu Ebao, P2P, and CP2C, began to raise, and create new financial format-Internet Finance. At present, the rapid development of Internet Finance has particular impact on banking industry and has become increasingly prominent. With the continuous development of the future "Internet+" mode, the Internet Finance will launch more intense competition with traditional commercial banks, thereby change the operating mode of the current financial landscape and traditional commercial banks.In the traditional lending business of commercial bank, commercial banks take risk controlling as the center to loan application processing, according to the process of credit rating, collateral assessment, loan audit, loan management. However, in the business acceptance process, due to the loan applicant does not have enough value pledged things, most of the bank loan application was rejected. In the Internet Finance field, rigid condition of foot value pledged things is broken, replace it with the applicant’s operating conditions, single account details, credit businesses and other soft conditions, and such lending mode meet more demand for loans.This paper focuses on the impact of the Internet Finance on traditional commercial bank lending, first, there research the elements of the Internet Finance and its impact. In numerous Internet Finance phenomenon, there finds "Internet gene" of Internet Finance from economic theory with long tail theory and Blue Ocean theory, secondly, there research the traditional model of commercial bank credit, and analysis the current development status of commercial bank lending and problems; then, there discussed the financial impact of the Internet Finance on the traditional form of commercial bank loans. Finally, there select typical case currently innovation of traditional commercial banks, and analysis of traditional commercial banks under the new situation to make new breakthrough.