| Since1990s, with the help of information technology revolution, human being havestepped from agriculture economy and engineering economy into Internet economy. Just likesteamer and electricity, Internet, which has become one kind of producing engine, ispermeating every aspect of production and life. The fact that more and more offline actionsbecome online deepens the degree of human-society virtualization.The dissertation says that the rapid development of Internet which is seriouslyinfluencing human’s organization form, business model, and life styles, subverts thetraditional banking operating procedure. To make themselves a creative financial serviceprovider complying with the law of Internet economy’s development, commercial banks mustmake a full understanding of the changing trend of Internet business model and life styles, aswell as make a deep research on mobile technology and cloud computing. Besides that,commercial banks should keep an open mind, and make themselves parts of new technology,new lives and new business models. All in all, commercial banks in Internet era will be theaggregation of individuation, interaction, channels integration，three-dimensional market,cloud computing, openness, and business ecosystem in which organism can grow andmultiply.The dissertation will discuss web-based finance’s creation, development, and thecomparing analysis of traditional financial mode, from the point of view of both function andstructure in web-based finance. There will also be a discussion on commercial banks’operating environment and framework in Internet era, and prospective research andprediction on web-based finance mode’s deviation and development, as well as the industrygermination. On the basis of the above research, the countermeasure and suggestion abouthow commercial banks of china should face the upcoming Internet era is finally proposed. |
