The Internet Financial Research On The Impact Of China's Commercial Banks And Countermeasures

Into twenty-first Century, the rapid development of Internet technology, Internet banking has emerged. A short span of ten years of development experience, Internet banking in 2013, showing a diversified development trend: P2 P network lending platform to carry out the mass of eligible customer, raise public financing platform rudiment peep, the first professional network of insurance companies get business license, the banks and brokers have the aid of the network as the platform to carry out routine business. Today's Internet financial service providers can not only provide online payment and settlement, you can also pay the cost of water, electricity, gas and other public utilities, even online buy fund, insurance, banking and microfinance and other financial products, Internet banking broke the bank in the financial sector of the ridge off position, and banks competing for market share.Internet banking and commercial banks increasingly blurred boundaries, in the physical network, business costs, efficiency and other aspects of the commercial banks to form a certain impact. Gates Bill once said: "if the traditional commercial banks do not change the status quo, it will be a group of dinosaurs that will be extinct in twenty-first Century." For commercial banks, how to use the existing advantages to open up channels, access to customers, in the future development of Internet banking business development in the wave of business, to avoid being shot dead on the beach,is an urgent need to think and solve the problem..Under the above background, this paper begins with the concept of Internet banking, analyzes the difference between Internet banking and financial Internet,reviews the development process and current situation of Internet banking in China.Taking C bank as an example, this paper analyzes the impact of Internet banking on C bank. In this paper, we analyze the impact of-2014 bank's financial statements, such as balance sheet and profit table, and analyze its impact on commercial banks. Through case analysis, this paper argues that the main impact of the existing types of Internetbanking on commercial banks is: through the market share of commercial banks, the dilution of interest income and intermediate business income, and thus directly affect the profitability of commercial banks. In the Internet banking all kinds of models, the baby class products, third party payment and settlement and third party financial products sales platform, the three types of models, the impact of commercial banks is the most obvious. In this paper, the three types of commercial banks to influence the larger pattern, from the United States of America's Internet banking similar model to analyze, and come to this kind of business model and will not cause a subversive impact on commercial banks. At the end of the article, the paper expounds the advantages of Internet banking and commercial banks, and gives the countermeasures and suggestions on how to deal with the challenges of Internet banking in C bank.