Research On The Impact Of Internet Financing On The Banking Industry In My Country

As the pillar of the financial industry,China's banking industry has been reigns,but in the second half of 2013,a platform,thanks to the Internet,a money funds balance of financial product launch up to the challenge the prelude to the banking sector,from June 13,2013,0 to 2014 February 14,400 billion,in just seven months,other Internet agency answer,have set up their own products.Internet banking is a universal financial sense of time,remove Banks in low-interest savings to various kinds of Internet financial product,when the universal awakening,Banks lay traditional spreads model also can earn money also can walk far,worthy of our thought.This paper on the Internet,the formation of the financial product,analysis the advantages and disadvantages,the future of Internet banking.Then through bank assets business and liabilities business,intermediate business three major parts of the analysis of the impact of the Internet financial management of Banks;After combining with the problems existing in the development of the Banks themselves and the background of market-oriented interest rate Banks how to deal with the challenge of Internet banking.After introducing market competition mechanism,the outlook for the banking sector becomes uncertain,the road of the transformation of traditional banking industry has been in and watch,and the emergence of the Internet financial management undoubtedly accelerate the pace of the transformation of the banking sector.Banks still.have the advantage of the Banks themselves,has a huge customer and resources,more important is the stability of the banking relationship to a nation's economic stability.Predictably,through reform of the banking sector will make the country's economy healthier.Finally the article concluded the fol lowing conclusions:1?the emergence of Internet banking and development accelerated the pace of transformation of banking,banking reform is inevitable,the breadth and depth of banking reform also determines the weight of competition with Internet banking.2?in the face of the challenge of the Internet financial Banks still have much to do,this can't see the smoke of war is only the beginning.3?the influence of the Internet financial management on the financial markets is a continuous process,the two sides in the process will produce game,the outcome of the game is now we have no definite conclusion.4?national policy is to play a role,do dominate the market,the premise is to have the support of the policy.