Internet Financial Impact On Commercial Banks And Countermeasures Research

Thanks to the technical advantages,Internet companies invade traditional financial industry heavily,and they also build the familiarity of them.In this emerging business,Internet financial enterprises quickly open the market,build the unique financial model of the Internet by its advanced technology,customer-focused service concept and new sales channels.Especially after 2013,the Internet financial model developed rapidly in China,such as the P2 P net loan,the third party payment platform,Ali financial model and a series of new financial model has became an indispensable part of people's life.The development of the Internet financial model has brought some impacts to commercial banks,which are essential to the financial system,including both development opportunity and threats.Here are the tasks that the commercial banks have to face: how to seize the opportunity that rose by the Internet financial,and achieve its own developments.The paper focuses on the impact of Internet banking on commercial banks and the ways they deal with the trend.In the first part,this paper starts from the definition of Internet financial development,on the basis of previous studies,we further point out that the core of Internet banking lies in the management idea of taking Internet financial thinking as the core.And then describes the situation of Internet financial,summarizes the characteristics of different stages of it and analyses the penetration of the Internet Banking for commercial bank so that we can grasp the trend of Internet financial enterprises erosion and severe degree in general.And finally found that although commercial banks have a more significant business growth in the class of business financing,payment and settlement business and investment business,but the Internet financial business year growth rate is far higher than that of commercial banks,Internet financial enterprises can not be optimistic about the situation of commercial bank erosion.In the second part,it focuses on the analysis of opportunities that Internet banking brings to commercial banks,mainly from techniques,financial management and sales channels' influence from Internet banking.It points out that the Internet has brought opportunities from concept to means,from form to content of the full range for the development of commercial banks.In the third part,,it analyzes the financial impact of theInternet on the commercial banks,mainly analyzes and studies the subject from the aspects of commercial bank financial intermediaries,management concept,management mode and financial regulation of the financial impact.Then it points out that the Internet is a doubleedged sword,not only a full range of commercial banks,but also the severe challenges.Especially in the financial supervision,industry of Internet banking is not mature not only enlarge the risks of commercial banks,also caused a severe impact on information security and anti money laundering,and forced the relevant regulatory authorities for the adjustment of laws and regulations.In the forth part,,based on our country's commercial banks faced with opportunities and challenges it puts forward to strengthen the platform construction,focus on the customer experience of the Internet thinking,develop and innovate commercial bank marketing channels and means,the counter measures of talent team construction and strengthen risk prevention and supervision.