Research On The Future Cooperation Development Trend Of Internet Finance And Traditional Commercial Banks

With the continuous updating of Internet technology,Internet finance has become an indispensable part of people's daily life.At the same time,Internet finance companies are constantly occupying the market share and business areas of some banking industries,and relying on their own The fast and accurate information identification and screening mechanism,as well as the speed of the second-period loan,have won the favor of ordinary small and micro enterprises and scattered individual customers,and also obtained a lucrative profit return with scale advantage.This paper takes this as the entry point of the problem.With the analysis of Internet finance theory,scale economy theory,long tail theory and advantage matching theory,it points out the impact and challenges of the development of internet finance on traditional commercial banks.On the one hand,the impact from the interconnection of finance will not be conducive to the expansion of commercial banks and the acquisition of high-quality group users,which will have a fundamental and profound direct impact on traditional banks.On the other hand,Internet finance is in the traditional banking industry.The profit margin brings a strong challenge and also encourages the banking industry to review itself again,innovate its business varieties and fields,and strengthen the collaboration with each other,so that it can respond to the attacks of emerging Internet financial companies at a higher speed.The development of Internet technology has made both Internet finance and commercial banks have both competition and cooperation space.This paper explores all areas of cooperation in an all-round way.It is recommended that traditional commercial banks learn from and refer to the successful experience of Internet finance companies in the collection of information and cost monitoring.And the prevention of risks,etc.,and pointed out the inevitable trend of cooperation and development between the two sides in the future.First,the two sides need long-term cooperation to maximize profits;second,the two sides cooperate to provide fast loan services for small and micro enterprises;Third,we need to use high-tech means to reduce transaction costs.Then we analyze and demonstrate the loan risk classification in the context of cooperation,and use the loan loss model to measure the comprehensive situation of loan losses after cooperation between the two parties,so as to obtain a win-win situation between the two parties.