| Since 2013,the Internet finance began to develop rapidly,all kinds of online financial products,P2 P financing platforms,the third-party payment platforms arise at the historic moment.The development of the Internet finance brought big data and cloud computing to industrial and commercial bank,but it also brought great negative effects.The research on the influence of Internet finance on the operation of industrial and commercial bank is beneficial to the sustainable development of industrial and commercial bank.First,this paper made a introduction on the development of the Internet finance and industrial and commercial bank of China,and the second,it analyzed the positive effects of Internet finance on industrial and commercial bank,Internet finance has brought advanced Internet processing technology to industrial and commercial bank and promoted the transformation of industrial and commercial bank into information bank.Then this paper analyzed the negative effects on the operation of industrial and commercial bank,the negative effects mainly reflected in the impact on assets,liabilities,intermediary business and profitability.The third,this paper referred to annual financial report of industrial and commercial bank between 2009-2016,and used the SWOT analysis method,this paper expounded the industrial and commercial bank's own conditions and external factors to response to the Internet finance from four aspects of the strengths,weaknesses,opportunities and challenges.Although the industrial and commercial bank has a good customer base,the E-ICBC service platform has been established,but in the background of the rapid development of Internet finance and the serious competition among the banks,it is very urgent to carry out the transformation.At the end,this paper elaborated the countermeasures and suggestion of the industrial and commercial bank deal with the influence of the Internet finance from three aspects. |
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