Internet Financial Impact On Commercial Bank Mechanism Research

Since the 21 st century, along with the rapid development of Internet technology, as well as the functional diversification of third-party payment funds intermediary platform, human society entered the era of the Internet finance. In 2012, Internet financial development experiences a strong momentum; the petty loan of Alibaba booms; “three-giants " experiment the business of Internet finance; P2 P lending surges in the number and ten larger commercial banks respectively set up comprehensive online mall. Then, a variety of forms such as Internet banking, financial products online sale, third-party payment, online insurance marketing, as well as network petty loan arises at the historic moment, providing direct matching platform for capital supply and demand to realize the open, interactive and seamless contact with the customer, as a result, changed the traditional theory framework of monetary and financial. The new generation of Internet technology, represented by mobile payment, cloud computing, social network and search engine, has extended the social financing from two-dimensional model of direct financing and indirect financing to the third kind of financing mode- the Internet finance. Internet community, changing people's life, friends-making and business mode, perfectly combined the virtual community and realistic life, converted virtual currency, virtual finance and real finance, and is overturning the traditional bank concept, changing the traditional financial ecosystem greatly.This paper analyzes the concrete operation process and thoughts of the Internet financial mode in business model innovation, platform construction, etc. and reveals the nature and direction of online finance. on the basis of that, it analyzes the impact of Internet finance on traditional commercial banks as well as the advantages and disadvantages of both the Internet and the traditional bank with SWOTF methods, and recognizes the potential threat and technological changing direction. therefore deducing the commercial banks' development and coping strategies in face of the Internet financial raid, as well as a complete set of technical and service implementation measures to be taken, so as to comply with the internet financial reform, Carry on the strategic transformation, formulate innovative development strategies, build thorough online commercial banking system, better promoting the commercial bank's overall healthy development.