Study On Measures Against Internet Finance Impact To Traditional Commercial Banking Business In China

With the rapid advances in technology,the Internet is also growing up financial models.Ionline banking,financial and other forms of Ali,which brought a greater impact on traditional financial institutions,some of China's major Internet financial companies are combining their strengths to a variety of innovative financial business model.As a new financial model,Internet banking has attracted extensive attention of the masses,Therefore,through the Internet depth financial characteristics and the impact of,commercial banks respond to the challenge of thinking,and a reasonable response measures are very necessary.In this paper,the method of literature analysis,case study and summary are used to analyze the impact of Internet banking on traditional commercial banks.First of all,through the reading of relevant literature at home and abroad,the related concepts and knowledge are summarized.Then this paper systematically analyzes the impact of Internet banking on commercial banks.Including the operation of the payment and settlement business,deposits and lending business.According to various kinds of influence,the influence of various typical cases are introduced and analyzed,this paper introduces the operating mechanism and the advantages and disadvantages of Alipay,the balance of treasure and Ali small loan of three modes.Finally,in the face of the impact of Internet banking,put forward a reasonable response to the impact of traditional commercial banks.That should improve and optimize the payment and settlement business,from the commercial bank deposit financing,loan financing and other business functions,such as the expansion of the third party payment service channels,innovative service mode,horizontal product innovation,attention to personnel training,to simplify the business process.Through this research,not only to provide some suggestions for commercial banks facing the financial impact of the Internet,also hope to other traditional financial companies in the face of "Internet plus" impact can provide some reference and reference.