Research On The Management Strategy Of State-Owned Commercial Banks Under Internet+

Nowadays,people's consumption patterns of consumption,production and management methods are affected to varying degrees by the impact of the Internet.The Internet is made up of countless points of interconnection,no center and edge,a stereoscopic network structure,similar to the human nervous system.At present,the Internet to an irresistible momentum,all aspects of human society have a profound impact.Humans are standing on a new starting point.Because of the unprecedented interconnection of information,everything has changed.Commercial banking industry as a representative of the traditional financial industry in the rapid development of the Internet financial trend is faced with unprecedented challenges.Therefore,the study of the operation mode of Internet finance,commercial banks according to the characteristics of Internet financial development to actively change the mode of operation,reform and innovation,broaden the scope of services,improve service quality,meet the needs of the public,in order to obtain new development opportunities.At the beginning of this paper,the financial literature of Chinese and foreign Internet is reviewed,and then the concept,characteristics and operation mode and essence of Internet finance are expounded.The stage and the risk of Internet development are analyzed.And then describes in detail the impact of Internet finance on the status of commercial banks,including the financial media functions of commercial banks and the weakening of intermediary payment function.From the commercial banks' business model-asset business,debt business and intermediate business,How to erode the profits of commercial banks,and finally summed up the impact of Internet banking on commercial banks spread to the mechanism.Finally,the paper puts forward the strategies of traditional commercial banks to deal with the challenge.Can focus on development,strengthen cooperation,that should include the Internet to pay the cooperation,as well as with the regulatory authorities to improve the cooperation;to improve the quality of the Internet,And improvement.