Internet Financial Impact On T Rural Commercial Bank Countermeasures Research

In recent years,with the official launch of "Yuebao" by Alibaba,it has announced that Internet companies have officially entered the financial industry.In the context of the rapid development of emerging technologies such as big data,blockchain,and cloud computing,Internet finance has greatly facilitated the daily life of Chinese citizens through online payment,Internet financing,and capital lending,and it also provides traditional finance.The business development of the industry has a huge impact,mainly reflected in the impact of the traditional financial industry's intermediary business income,spread income and payment intermediary status,but also has a huge impact on the traditional business model and profitability.In the face of the huge impact of Internet finance in the traditional financial industry,how to meet the challenges and formulate reasonable management strategies is a major problem facing commercial banks.It is worth pondering.This paper focuses on the impact of Internet finance on T-RCB and the countermeasures.It refers to a large number of literatures on Internet finance,which provides theoretical support for the writing of the paper.The method of combining quantitative and qualitative analysis is effective to ensure the scientificity of the research results.In view of the cumbersome and systematic system of T-RCB,this paper stands on the overall perspective of T-RCB under the background of Internet finance.The development of the company carried out a deep analysis,summarized the basic characteristics of it,compared the research results at home and abroad,and conducted an in-depth discussion on the impact of Internet finance on T-RCB from the practice,and researched T-RCB.On the basis of the development background,SWOT analysis of T-RCB response to Internet finance was carried out.At the same time,the ideas,methods and policy recommendations of T-RCB to deal with Internet finance innovation were put forward.