Internet Financial Impact On The Development Of Chinese Commercial Banks

In recent years,the Internet rapid development and drive the traditional financial institutions financial upheaval.Is the value of the commercial bank has always been to pursue economic interests,with the increase of the current shareholding Banks,regional Banks and the development of financial market competition is increasingly fierce.The Internet finance is in such competition in the financial market conditions produced and developed,and has the characteristics of diversified styles,the third party payment platform,P2 P lending,such as the Internet and the raise to rise.In this background,study the influence of the Internet financial development of China's commercial Banks,to clear analysis and related influence factors,and on this basis,for the Internet under the condition of the financial development of China's commercial Banks have to provide countermeasure,to promote the Internet payment,financing,platform,functions,and improving information processing capabilities,more effectively to provide payment and settlement business,platform communication services,corporate finance,and powerful information processing techniques.The first part of the article mainly introduces the purpose of this study,the present situation,methods and significance,points out that the writing this article aims to analyze the impact of Internet finance of our country's commercial Banks,and the new challenges,points out that commercial Banks in China under the impact of the Internet financial,should actively adopt certain measures to deal with,in order to achieve its own development.The second part mainly analyzes the connotation of Internet financial,development characteristics of Internet financial and commercial Banks,indicate the Internet financial than commercial Banks in our country more powerful information processing ability,not only improve the efficiency,also reduce the cost of information collection.Each large network headed by taobao shopping platform have their large and stable customer base,high stability and large number of customers is also one of its advantages.In traditional commercial Banks see exhibition plating is bigger in terms of the long tail of retail business,the Internet financial can use its own privilege,realize the regional cooperation and reduce the cost,which has a long tail.But I do a long time,commercial Banks development strong accumulation.But rich accumulation,our commercial Banks in the development of the past set a good brand image,has the goodbrand reputation,this is the Internet start-up financial difficult to short-term implementation.In the long-term development,the commercial Banks have accumulated a significant amount of risk control experience,able to handle more complex financial problems,maximize reduce financial risk.Has accumulated abundant capital at the same time,to the business of commercial Banks to provide financial support.The third part mainly analyzes the rapid development of Internet financial impact in China's commercial Banks.First is the management idea and mode of commercial Banks by the Internet financial model,the influence of the new idea and a multitude of commercial Banks in order to retain the original market share,began boldly for technical and financial product innovation.People's consumption habits and consumption idea change under the influence of the Internet financial,expanding online shoppers,status of commercial bank branch.The development of the Internet financial allocation of funds in the commercial bank,the transformation of current deposit and flow is larger,the influence of the Internet financial wealth management products of commercial Banks liabilities,costs,profits of commercial Banks severe compression.The fourth part discusses the Internet financial the main influence to the our country commercial bank,with the method of empirical analysis of the main factors that influence the commercial bank profitability analysis.Fifth part based on the status quo,and combines the result of empirical analysis,put forward development countermeasure for the development of commercial Banks in China,and points out that commercial Banks to develop extensive cooperation with Internet financial and is the necessary way to realize their own development,for our country commercial bank financial are significant to the Internet.Article summarizes the sixth part of the full view,and analyzes the deficiencies in this paper,based on the research results on paper,and prospects the future of the Internet financial impact on our country commercial bank's development trend and the direction of development.