The Study Of How Internet Financial Effects ICBC

Since the beginning of the new century,the new term "Internet" has attracted worldwide attention.It is one of the most influential inventions in the world.From a realistic point of view,the development of Internet technology is very alarming,and its penetration is also very amazing,has been around in various fields,and constantly affect the social and human aspects of life.The influence of retail industry is particularly prominent,now Taobao Tmall mall affects the daily necessities,clothing retail industry;dangdang.com affects the traditional book retail industry;Jingdong mall affects the traditional home appliance retail industry.Not only that,the rise of the Internet also affects the business and business model of many industries.From the beginning of 2013,the rapid development of Internet banking as the representative of the bamboo shoots after a spring rain,Tencent,Alibaba,Jingdong are all trying to build their own financial services model,relying on big data,cloud computing,a new generation of mobile payment,social networking platform and search engine as the representative of the Internet technology,the Internet financial services gradually infiltrated into the traditional the financial services sector.The arrival of the era of Internet banking,to a certain extent affect the traditional commercial banks,but also means to promote the reform of the financial markets,the traditional commercial bank for many years to spread mainly business growth model is facing the severe challenge of reform and innovation.Under the new situation of commercial banks should be how to adapt to market demand,and actively develop Internet banking,the implementation of service innovation,innovation and sustainable development is very worthy of study.Based on this background,this paper first elaborates on the Internet financial development at home and abroad,the basic concept of the theoretical basis and development status and the concept,characteristics and development of Internet banking is described,and focus on the rise in the traditional business,information services,organizational structure and process management,team building,the risk management control,product design and hierarchical analysis of Internet banking brings to the industrial and commercial bank management,finally put forward in-depth analysis of the industrial and commercial bank to deal with the financial challenges of the Internet strategy,hoping to provide some ideas for the industrial and Commercial Bank of China in the future development of the Internet era and the formation of new competitive advantage.