Researching On The Financing Products Management Of Commercial Banks Under The Background Of Internet Finance

In recent years,Internet enterprises have extended their business to financial services with their excellent business sense,by using computer technology such as distributed System,cloud computing and big data,to created a new industry-Internet finance.It has become the most brilliant star in the domestic financial market by the contribution from the third-party payment,efficient Internet credit and the popular network financial products.A large number of domestic commercial banks' clients has been attracted by the development of Internet financial Bussiness,which has brought great challenges to the financial service model and management model of traditional commercial banks,and forced them to transform,innovate and reform.In this paper,firstly,we use theoretical analysis,regression models and empirical test to verify the weakness of bank financial products in terms of income,redemption cycle and access amount compared with internet financial products.And verify the scale of commercial banking financing products is affected by internet wealth financing products.Then we use SWOT analysis by the characteristics of commercial banks to propose that commercial banks should establish a long-term strategic alliance with Internet financial companies rely on their strong financial strength,the advantages of strict supervision mechanism,excellent credit system and strong risk control ability.Get long-tailed customers who are difficult to cover in financial business;At the same time,remaining the market position of commercial banks' financial products by strengthen Internet thinking,enhancing data mining ability,and constantly innovate product design.At present,the academic circles are mostly in the stage of theoretical analysis at the aspect of studying the impact of financial products on commercial banks.Rely on questionnaires and other way to study in the process of analysis with relatively strong subjective factors and less empirical tests.In the papper,the key factors influencing the development of financial products of banks are reasonably obtained by establishing a multiple regression model and it is more convincing that using these key factors to bring into the SWOT model for analysis.According to the study results,the conclution about business strategies of commercial banks under the background of Internet finance can be used for reference.