Reform And Innovation Of Traditional Commercial Banks Based On Internet Model

The Internet is perhaps the most recent 20 years,the most profound change in human life and social relations of a technology.In a short span of 20 years,the Internet step by step into our lives in every corner.However,with the rapid development of information technology,especially the rapid development of mobile Internet technology,the Internet has become ubiquitous and closely related to us.The financial industry is also nearly half a century began to develop rapidly,the traditional banking industry's three largest banking,securities,insurance has been closely linked with our lives.When the Internet technology and traditional financial industry collide,it created a new field of Internet banking,the development in the field of just a few years of rapid,convenient and also to the traditional financial industry to bring the impact of people.But after a period of development,people are trying to bring the benefits of Internet banking,Internet banking has found its unique advantages,but also has its imperfections.Low cost,high efficiency and wide coverage of the Internet,has become the characteristics compared with traditional financial strengths,but its safety management system is weak,low risk and acceptable groups such as the narrow features,compared to the traditional financial industry,there are some disadvantages.In this social context,this paper hopes to analyze the development process of Internet Finance and traditional finance,According to the development pattern of some of the existing Internet banking platform,analysis of China's listed commercial banks have some traditional profit model,the risk value of model bank is now in the practical application of risk measurement,especially according to the features of the development of our province city development bank and management,to find out the risk characteristics China's commercial banks and Internet banking platform to the comparison of the two different areas of the characteristics and advantages and disadvantages.We also hope that through the analysis of the financial model development characteristics of Internet Finance and traditional finance industry,find out the opportunities and challenges of traditional commercial banks in response to the financial impact of the Internet,hoping to provide some new ideas for China's traditional commercial banks in the future development of the road.