The Influence Of Internet Finance On Traditional Finance And Its Countermeasures

In recent years, the rapid development of Internet banking make the traditional finance is not the only channel for customers to handle deposits and other services, the status of the traditional finance precarious. Forced to face the Internet, how to respond it actively? The traditional finance should be worth thinking about. Under this background, this paper study about Internet finance impact on the traditional financial in-depth, combined with the current economic situation and traditional finance has its own advantages, the traditional banking should be think how to deal with strong competitiveness which brought by internet banking.First, this paper reviews the domestic and foreign scholars on the development of Internet banking and the development of traditional finance views and research literatureson Internet banking impact on the traditional financial in recent years; Then sort out the meaning of the Internet, finance, Internet banking, summed up the four main characteristics of Internet banking; Nextdescribe the development of Internet banking in the domestic and foreign and the development model from the perspective of financial innovation theory, then use theoretical model analysis the advantages and disadvantages of traditional banking and Internet banking, for discussing the Internet finance impact on the traditional finance buried the foreshadowing. Based on the analysis of the advantages and disadvantages of the traditional finance and card Internet finance development mode, conclude Internet banking brought a positive role on traditional finance in promote, it alsobrought the huge impact. They are competitors, and they can become partners. In addition, Internet banking brought a great impact on payment pattern and business modelof traditional finance.Finalfor these effects are given the corresponding countermeasures, and put forward suggestions to improve the financial risk management system, hoping to create a stable environment for the development of win-win development.