The Influence Of The Internet Financial Development Of The Commercial Bank Of China And Countermeasure Analysis P2P,As An Example

Fast development of Internet technology in China,in e-commerce,social networking,big data and cloud computing,represented by the advanced Internet technology,has been extended to the communications,retail industry,media,etc.These industry mode of operation and business model are revolutionary changes have taken place due to the penetration of the Internet.In recent years began to infiltrate into the financial sector and also to the financial landscape brought new change.Internet financial and business model of traditional financial war fought between the substitution effect is also gradually,the inestimable impact on the banking sector.Based on the P2P network platform as an example,the loan because it is on the business model is the most direct impact on commercial Banks.Is defined as the first year of the Internet financial in 2012,the Internet and finance gradually began to permeate,formed a new Internet financial borrowing mode.P2P lending platform directly matching up the value chain upstream and downstream,forming the financial disintermediation.And commercial Banks are subject to internal and external institutional constraints is too conservative,low efficiency of business to deal with complicated,low operation mode is not enough people,business integration,lack of financial products characteristic and often criticized by customers,customer information also failed to get strong development.This makes the commercial bank is more convenient and direct the impact of the P2P network is borrowed and shunt.Therefore,commercial Banks need to properly handle the impact of the Internet financial,change traditional inertial thinking,gradually adapt to the pace of Internet development.This article from the Internet financial the concept and the characteristics of the P2P network is borrowed,the existence of P2P network credit has its important significance,one can promote the resource allocation efficiency,small micro enterprise financing problems should be resolved;2 can make full use of price discovery function of the market,gradually promote the marketization of interest rate;Three to speed up financial disintermediation.In this paper,comprehensive analysis of the P2P network the impact of rapid development of commercial Banks,which probes into the impact of credit in the P2P network the coping strategies of commercial Banks.This paper argues that Internet financial P2P network can reshape the concept of investment and financing,loan,people change the future behavior patterns for now on commercial bank liabilities business,middle business and assets business are caused by different degree of influence and dilution.Commercial Banks in dealing with the above adverse impact,to speed up the strategic transformation,establish new ecological network bank;Dig the customer pain points,truly take the customer as the center;Strengthen risk control,information integration and "mining customer data value;To develop the electronic banking channel,development bank of light;Accurate positioning of small and medium-sized customers value pursuit,meet the demand of differentiation and diversification.This paper argues that Internet financial won’t replace traditional financial temporarily,but will reshape the investment and financing idea,change the future people living habits and ways,the impact on the bank will exert a subtle influence.Commercial Banks should be actively transformation and adjust the management ideas to come in response to shock.