Research On The Impact Of Internet Financial Management On The Business And Performance Of Commercial Banks

With the increasingly close relationship between financial industry and internet industry,internet financial industry came into being.its appearance not only promoted the reform of traditional financial industry,but also enhanced the core competitiveness of financial institutions.Internet finance mainly includes four kinds of business models.Among them,the development speed of internet financial management business in recent years is quite amazing,and it has attracted general attention in the industry.This article focuses on three aspects: firstly,it analyzes the development status of internet financial products;Secondly,it analyzes the influence of internet financial products on commercial banks.Thirdly,it puts forward some countermeasures for commercial banks to deal with the influence of internet products.The first part elaborates the related theories and development status of internet financial products in detail.In the second part,firstly,the theoretical basis of the influence of internet financial products on business performance is elaborated,and through in-depth analysis and research by using data,chart analysis and comparative analysis,it is found that commercial banks' financial services,customer resources and demand deposits have been impacted by internet financial products in different degrees.Through the research,it is found that the business performance of commercial banks is inversely proportional to the scale of internet financial products,but this reverse relationship is not very obvious,because internet financial products have not appeared for a long time,so its influence on the business performance of commercial banks is very limited.Finally,this paper puts forward corresponding strategies for the development of internet financial management from the perspective of commercial banks,which mainly includes five aspects: innovating internet financial management products continuously;Big data technology is used in more banking financial services;When managing customer resources,attention should be paid to the corresponding layering,and at the same time,attention should be paid to the improvement of network marketing ability.Building perfect internet financial management channels and platforms.In the first part of the content,this article first combed the related literature of internet financial products,and on this basis redefined the internet financial products.The second part comprehensively analyzes the influence of internet financial products on commercial banks.In the last part of the content,this article mainly puts forward some suggestions for commercial banks to launch online financial products,and discusses and complains in detail from the aspects of innovating products,strengthening the application of big data,implementing customer hierarchical management,and strengthening the channel and platform construction,etc.on the whole,it is clear and organized.