Analysis And Development Strategy Of Internet Banking

With the development of big data technology, the subversion of traditional industries by the Internet inevitably involves the financial industry. The first year of Internet banking is 2013. In this year, all kinds of Internet financial productspring. The rise of P2P platform to become the Internet’s major financial event. However, the current domestic P2P platform has more than 4000, a considerable portion of which contains a great deal of operational risks. Thus, a reasonable business model bases on success stories in foreign countries and combine our national conditions will have a significant impact on China’s Internet banking. This paper introduces the concept of Internet banking and its development at our country and abroad in recent years, Secondly, to analysis the theory and practice of Internet financial models with cost-volume-profit analysis. P2P network lending platform were selected of as an example of Internet banking, we analyzed the reasons for the number of P2P network lending platform explosive growth and a variety oflegalissuesandtheir impact oncredit with "herd behavior" theory. Finally, to explore other aspects of law and the credibility of the financial problems in the early development of the Internet encountered problems case by P2P network lending platform. Using financial theory of our country and foreign toanalyze living environment of internet banking, we make policy recommendations such as risk avoidance, improving the legal system and establishing a sound credit system.