Research On The Reform Of Commercial Bank In The Internet Finance Background

Internet Finance has caused an uproar in the financial sector since they appeared. Internet companies gradually extending their reach to the financial industry,with the advantages of its big data,cloud computing,search engines and other emerging modern communication technology.They use more efficient, more convenient and less costly way to provide financial services, deposits and loans as well as intermediate business of commercial banks have formed a shock.Behind these seemingly just technology-based business challenges is a deeper business model, administered mode challenge.Commercial banks should be capture the essence by analyzed surface phenomena and began to seek the path of reform from the aspect of nature.First,we introduce the Internet financial implication,the causes and the main mode, and noted that this study is a narrow concept of Internet banking, then discusse the data processinga dvantage, the price of services advantage, service channels advantage,and the customer base advantage that the Internet Financial have;Secondly,use economic theory and management theory to analysis external financial functions challenge and the business models,technology,business management challenge of commercial banks are faced under the Internet Financial background;Then,research the advantages and disadvantages Commercial banks have in the Internet financial background,use empirical analysis to discuss the advantage of commercial banks,prove that point of view use measurement tools;The next part, discuss the overall reform environment the commercial banks are facing as well as the particularity of reforms under the background of the Internet Finance,study reform situation and problems of commercial banks;Finally,according to the analysis of the challenges above, build the reform system(Including the main body, key and ancillary),and put forward specific measures.