The Development Of Financial Service Of Commercial Bank-under The Background Of Internet Finance

Modern information technology represented by the internet,especially the third-part payment;mobile payment;social network;search engines;big data and cloud computing,has a disruptive influence on many areas of human economic life.It also has a significant impact on the business mode,profit mode and service mode of traditional commercial banks.Internet finance has gained rapid development in 21st century.First,taking the advantage of information,electronic commerce companies extends the business to the financial areas,such as third-party payment and network leading etc.Second,large commercial banks constantly innovate,accelerate the development and product marketing of e-commerce,mobile payment and other business,to supply a variety of financial products and services.On such conditions,the study of commercial banking business development strategy in the context of the Internet and the next stage of development in the Internet of traditional commercial banks has great practical significance and role.This paper includes six chapters:The first chapter introduces the research background,objective,ideas and methods,as well as the innovations.The second part is the literature Review of internal and abroad.The experts explained the situation to the Internet Banking Research.The third chapter explained that before the advent of the Internet,the developments of the bank of XY in financial services.This section describes the concept of personal financial services,financial services classification and features sales and financial services.The fourth part is the impact on bank financing business by the internet finance,take the Nanjing branch of XY bank for example.Expounded the arrival of the Internet finance,bring the impact of the bank and the customer.The fifth part is that under the background of Internet finance,the development model reconstruction of the financial business of the commercial bank.And the final chapter summarizes the full text,and indicate the limitations and the possible extended filed of this topic.Meanwhile,it also proposes the countermeasures and suggestions of development strategies for the commercial banks.