The Study Of Relationship Between China Internet Finance And Traditional Commercial Bank

In the information age,modern information technology and Internet technology are developing rapidly,affecting all walks of life,the financial industry has also been impacted greatly.Internet finance breaks imprisonment of the traditional financial services model and uphold the "Internet spirit" to provide a more efficient and convenient service for people.Internet finance produced various impacts on commercial banks.At first,Internet finance is a shock to traditional commercial banks,it fundamentally broke the traditional financial business model and operation pattern.Secondly,the Internet finance has also promoted the traditional commercial banks to change and innovation,so as to deal with the impact,to achieve long-term development.Traditional commercial banks still occupy an important position can not shake,the development of Internet finance is also unstoppable.In a period of time or to a certain extent,the two are competing contradictions,but from the perspective of the long-term development of modern finance,their mutual effects facilitate the improvement of financial system a lot.Explore and analyze the Internet's own financial model and characteristics,you can better understand the Internet finance,but also help to explore and grasp the future direction of financial development.Analysis and comparison of Internet finance and traditional commercial banks,study the relationship between the two and mutual influence,these can help to explore the two mutually beneficial and win-win integration and how to improve the modern financial system.The introduction part firstly elaborates the background and significance of this paper from the development of national strategy and Internet finance in recent years,the influence of traditional commercial banks and the reform of traditional commercial banks.Then,based on the concise,comprehensive overview and summary of the relevant research at home and abroad,the research ideas and research methods of this paper are put forward based on the previous research results.Finally,the possible innovations of this paper and the shortcomings of this paper are expounded.Part of the text,the connotation and concept of Internet finance is generalized both in the sense of broad and narrow,the mode and characteristic of internet finance is also discussed.Then the analysis of Internet finance and commercial bank is respectively conducted by the method of SWOT.So the competitive advantage,competitive weakness,opportunity and threaten of their own are obtained.Then,the paper analyzes the influence of Internet finance on traditional commercial banks by means of comparative analysis and case analysis,and analyzes the impact of the impact and promotion of the Internet,and the integration and cooperation of the two,and perfects the modern financial system.Finally,it expounds the development strategies of Internet finance and traditional commercial banks in order to jointly promote and perfect the modern financial system.