Challenges And Countermeasures Of Internet Banking For Commercial Banks

And economy accompanied by rapid development and is the development of Internet banking,Internet banking as an emerging industry of the "Internet" and "financial" dual nature,it to our daily life brought earth shaking changes can be described,the network marketing,network credit,third party payment and e-commerce operation platform is derived from the product.The rapid development of Internet banking,to our country's traditional financial institutions has also brought a certain impact,the commercial banks as a traditional financial institution representative,in the face the challenges brought by the Internet banking to how to respond,this is very worthy of study.In this paper,the author on this starting point,on the basis of fully understanding the Internet banking,in-depth analysis of the mode of operation of the Internet Finance and its impact which brings to the commercial banks,and puts forward corresponding countermeasures and suggestions for the positive response to the commercial banks.From the current situation,the commercial banks are facing tremendous pressure to change,the traditional mode of operation has been unable to maintain their sustainable development.Before the birth of the Internet finance,commercial banks alone loan balance will be able to enjoy huge profits,but after the emergence of the Internet banking,this single rigid mode of operation has become an obstacle to the development of commercial banks.In today's society,the market needs more diversification of products or services,technological innovation,service innovation has become a new topic,commercial banks will want to in the market foothold,it must change,changes in technical services but the trend.Based on this,the author in the full analysis of the financial foundation of the Internet on the traditional commercial banking business impact,to industrial and Commercial Bank of China as a case analysis of the object,which explore the initiatives and the rationality of the commercial banks to deal with the financial impact of the Internet.In fact,commercial banking and Internet banking is not completely in opposite,Internet banking course to commercial bank's traditional business development has brought certain impact and challenges,but the impact and challenge is actually a kind of effective driving force,commercial banks should correct view of this problem,and make use of the advantages of Internet banking,actively promote own innovation and the pace of change,improve the cooperation system and risk control mechanism,so as to realize with internet banking of mutual benefit and win-win.