| Internet technology is the product of the industrial revolution.It breaks the time and regional restrictions in the way of interactive platform,so that people can freely exchange all kinds of information in the network.The high efficiency and convenience of information transmission and wide converging,make it that once it had come rise,then spread quickly in the communication,retail,service and other fields to penetrate,so that our life has changed with each passing day.When the Internet technology penetration into the financial sector,the Internet finance comes rise.The essence of finance is to realize the financing of capital,so that the funds are transferred between the supply and demand,which is accompanied by the separation of ownership and use of funds.Traditional financial model,due to the serious asymmetry of market information,the need for commercial banks and other financial institutions to participate in the transfer of information,to build bridges,to play an intermediary role.For a long time,China's commercial banks have been in a monopoly position in the financial market by virtue of their advantages of resources and credit.The emergence of the Internet to break the financial pattern.It relies on big data and cloud computing technology,and "open,transparent,sharing,collaboration," the concept of the both sides of supply and demand of funds to deal directly on the Internet platform,improve the efficiency of the allocation of resources,reduce the degree of information asymmetry,save money financing costs,maximize the weak of the function of financial inter mediation.With the arrival of the era of Internet banking,commercial banks rely on deposit and loan spreads "boon" management pattern already can not adapt to the environment changes,the financial impact of the Internet on the business is becoming more and more obvious.Balance D-Will,China launched the A shares "Internet banking",also opened with bank financing business for the prelude to the financial market.Advantage in this battle,Internet banking with its "low threshold,high yield,strong flow" win the temporary victory,only adapt to market changes in the banking business,to change the business model,innovative service concept,better faster to meet customer demand,in order to the war difficulties and consolidate market position.Based on this background,this paper aims to put forward effective measures to deal with the impact of Internet banking on the financial services of commercial banks.The second chapter of this article from the core foundation,the rise of the background,business model and the development of the four aspects of the Internet to do a basic financial,for the following analysis of the advantages and disadvantages of bank financial services to pave the way.The third chapter makes analysis on the advantages and disadvantages of the banking business in the context of Internet banking,the banking business has inherent advantages of resources and improve the risk management and the advantages of high operating costs,weak technical support,lack of financial products disadvantage conclusion and innovation;the fourth chapter based on the previous analysis of the advantages and disadvantages on the study of the financial impact of the Internet brings to the banking business,the conclusion is the Internet finance to the banking business development of new customer market,promote the financial innovation of financial services,but also reduced the bank financial business profit margins,weakening the bank's intermediary function,improve the payment service efficiency requirements;the last part according to the above conclusions,the commercial banking financial services put forward to strengthen business innovation,technical support and further updates Measures to deal with the risk management. |
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