A Study On The Transformation Of Commercial Banks In The Context Of Internet Finance

In recent years,the People’s Bank of China and relevant agencies jointly issued the "on the promotion of the healthy development of Internet financial guidance",Internet finance is the Internet operators and the financial industry through Internet technology and instant messaging technology to pay,investment and financing,And integrated customer service innovative financial model.The development of the Internet financial model,innovative financial products emerge in an endless stream,the Government began to attach importance to the legal supervision of Internet finance,Internet banking to the impact of commercial banks to commercial banks,current deposits,time deposits and other deposits as the representative of the debt Business,business and customer-oriented lending business and bank user database and so on have been affected.Based on the background of Internet finance,this paper puts forward the theory and development model of Internet finance,explains that the Internet financial development model is an information financial development model,and uses the data collected and collated to analyze and summarize the operation mode of Internet finance This paper discusses the impact of Internet banking on the Internet financial risks and commercial banks’ own advantages by combing the operation mode of Internet finance and the analysis of their impact on commercial banking business respectively.It is suggested that commercial banks should,in the context of Internet financial,With the symbiosis development,and from the perspective of commercial banks and banks themselves summed up the commercial banks in the context of Internet financial coping strategies.The transformation strategy of the commercial bank’s debt business is based on the customer-oriented,to create a better user experience;asset business transformation strategy for the creation of independent Internet financial model,optimize the commercial bank loan process;Internet Finance under the commercial banks The transformation strategy of information resources To strengthen the Internet financial and commercial bank information cooperation,so that the advantages of both to maximize,and truly the authenticity of the data,quality and quantity.Finally,it puts forward some feasible suggestions to improve the wind control mechanism of commercial banks,perfect the credit rating mechanism under line line and gradually improve the risk control method.