Research On The Influence And Countermeasures Of Internet Finance On The Bank Of China Shanghai Pilot Free Trade Zone Branch

The current rapid development of Internet banking,it is a new force rising,from online banking to online payment to the stage of development of the mobile Internet,because of the government’s open and inclusive attitude,making the Internet finance from the Internet banking to mobile Internet only with a dozen years.The current Internet financial innovation degree is extremely high,its financing involves all walks of life,has penetrated into the major commercial banks in many businesses.Internet financial enterprises and the third party payment platform,relying on its own e-commerce platform and advanced information technology,began to enter the payment,settlement,financing,investment and financing and other major areas,breaking the monopoly of commercial banks financial business.With the development of science and the Internet financial industry,commercial banks by financial disintermediation and technical disintermediation impact,the business of commercial bank financial business into the Internet banking business in commercial banks,as in the past to take the "28 laws" to select a customer object,leaving customers in large quantities to the Internet financial market.Business development of commercial banks has to face many challenges.To study the effect of this is brought about by the Internet banking of commercial banks,in-depth understanding of the financial Internet plus the concept,connotation and denotation,and the development mode and trend of its characteristics,to master,in order to further study the financial impact of the Internet on commercial banks in terms of business.Through the investigation,that the P2 P net loan and third party Internet financial mode of payment has penetrated into the commercial bank financing loans,payment and settlement,the effect of intermediate business of the bank’s income,and the Internet financial management concept of indirect commercial banks to influence,on its open,equality and cooperation the concept of customer experience,sharing of commercial banks should learn the place.Thus,the challenges and opportunities of the Internet financial aspects of the strategy are developed from the aspects of penetration,Internet financial impact on the business of intermediate business income and business philosophy influence,banks need to change the management idea,enhance the level of business,pay attention to the customer experience to upgrade,the establishment of Bank business platform,launched the product portfolio high quality,to small and micro business loans and business development,and actively occupy the mobile payment market,through the combination of a new path to explore win-win cooperation.At the same time,we should strengthen the risk control and cultivate comprehensive talents,so as to better develop the enterprise itself.The first part of this paper mainly introduces the generation of many kinds of business of China’s commercial banks in the development of the Internet technology under the impact of Internet financial enterprises continue to emerge to the traditional commercial banking business caused a very big impact,is based on this the paper launched on the Internet in the financial background of the impact of China’s commercial banks the research and Countermeasures to provide intellectual support in future development of commercial banks.The second part of this paper mainly introduces the new financial products and services and the Internet financial products under the background of Internet fusion derived,including Internet plus financial related concept,connotation and extension,this part also introduces the main characteristics of China’s Internet financial products and services rendered,reasons for financial products the in-depth analysis.The third part mainly introduces the business model and the development of China’s Internet banking trend,the main characteristics of Internet financial model in China under the influence of the Internet including traditional financial services online,P2 P mode and mode all the chips,and the current China’s Internet banking business began to penetrate into the financing,payment and settlement business and the investment banking business,the business of traditional commercial banks in China have formed a real threat and impact in the.The fourth part of this paper analyzes the challenges and opportunities of the Internet Banking for China’s traditional commercial banks caused by the emergence of the Internet Banking for commercial banks traditional financial dominance poses a threat to the commercial bank’s traditional business model and the source of income has a great influence on the traditional commercial bank,and then business philosophy to form a shock,but also affected the ideas and policies on the regulation of commercial banks to a certain extent.In the fifth chapter China Bank of Shanghai FTA bank as an example illustrates the financial impact of the Internet on the China bank Bank of Shanghai FTA,including the personal demand deposits diversion,the impact on traditional lending business,the payment status of the threat,the weakening of the payment function etc..The sixth chapter mainly for the Internet financial impact on commercial banks to China China Bank of Shanghai FTA as an example of China’s commercial banks adopt countermeasures should be taken,including the positive conversion of management concept,improve business service level,and actively explore and expand Internet banking and traditional business of the Internet,and strengthen risk control of Chinese commercial the bank has to strengthen the construction of Internet financial business knowledge talents to promote the Internet under the background of reform.