Research On The Influence Of Internet Financial Development On The Traditional Business Of Commercial Bank

In recent years,with the development of Internet technology and electronic communication technology,especially the generation of big data,cloud computing and other advanced technologies,making the Internet industry to a new stage of development.Internet through the integration of many industries,the impact on people's production and life is growing,and thus create a lot of new needs.With the popularity of electronic commerce and the rapid development of online shopping,which directly caused the electronic payment and electronic bank this new demand,led directly to the Internet technology and finance integration,makes a large number of Internet financial model and enterprises,such as the third-party support payment platform,P2 P,public financing and so on.Internet banking is constantly affecting and changing the pattern of China's traditional financial industry,the traditional business of China's commercial banks to bring varying degrees of impact.This article first on the concept and characteristics of the Internet financial as well as a variety of patterns,secondly,the author analyses the cause of the rise of Internet financial,and on this basis,introduces the domestic and foreign financial current situation of the development of the Internet.Later,the author through the status quo and the existing research,the development of the Internet financial impact on traditional business of commercial bank has carried on the exploratory analysis and summary.At the end of the paper to the practice of the construction bank,the development of the Internet financial as a case is introduced and analyzed.This paper mainly has the following conclusion:(1)Through the existing related research,and combined with the status of Internet banking,this paper argues that the financial impact of the Internet on the traditional business of commercial banks is mainly manifested in three aspects.(2)Based on Internet financial impact on the traditional business of commercial banks,this paper argues that should be as countermeasures from the following four aspects.(3)Influence on Construction Bank to deal with internet banking brings were case analysis,construction bank in financial trends of the Internet,a positive innovation,implementation of Internet banking business strategy.