Study On The Influence Of Commercial Bank Internet Banking

The Internet is so far has been recognized as one of the most influential invention in humans, a short span of twenty years, the Internet has got rapid development, thanks in large part to promote the development of society and make people’s life has a huge change. At the same time, the Internet also has different degrees of influence on the development of industries, including Internet financial product is under the influence of the financial industry in the Internet.From the point of the development of the Internet financial, Internet financial characteristics mainly include the following points: the financial transaction cost is low, service with high efficiency, dug a large number of previously ignored by bank customers and requirements. In financial rapid development of the Internet, however at the same time, relevant problems were exposed, for example: the Internet financial regulatory work also has many insufficiencies, even is blank, and some of the company’s product homogeneity phenomenon is very serious. In addition, the Internet financial risk control ability is weak, which makes the Internet financial management risk is relatively high.Based on the bank of China, jilin province as an example, this paper aimed at the rapid development of Internet financial comprehensive effects of commercial Banks is studied. First, carding domestic and foreign research present situation and the relevant theory, on the basis of the characteristics, the development of the Internet financial mode and current situation, then, emphatically to the bank of China, jilin province as an example, analyzed the influence of Internet financial of commercial Banks. Which includes both the financial development of the Internet under the impact and challenges faced by the bank of China, jilin province, including this kind of situation and opportunities facing the development of jilin province branch. From the point of Internet financial impact to jilin province branch, the media status of Internet financial to weaken the bank of China, jilin province, by the jilin province branch of the assets, liabilities and intermediary business to form different intensity, cut a source of bank profits, compressing the bank profit margins; From the point of development opportunities, it advanced the jilin province branch continuous innovation, promote the transformation of jilin province branch business composition, thus make the whole banking market distribution is affected, the state-owned Banks monopoly market situation will be change, to some extent this is conducive to the development of China’s banking sector, interest rate marketization.This article through to the Internet to the bank of China, jilin province financial aspects affect the study, some existing problems of in-depth analysis of the development of commercial banking and structural adjustment, some feasible Suggestions are put forward. In the industry reshuffle brought by the Internet financial backdrop, accelerating the transformation of commercial bank business work, increase the investment of information technology, build service bank, and always put the risk prevention and control in the first place. So, can let the bank of China, jilin province continuously in the fierce market to seek survival and development.