The Internet Financial Impact On The Banks

TheInternet banking as the research object, analysis method to select the following:(1) normative theory analysis method(2) investigation and analysis(3) Methods of quantitative analysis and qualitative analysisThis paper firstly put forward the definition of Internet finance as well as the influence on the commercial banks, makes thorough analysis on the main mode, economics analysis method (case analysis), strategic analysis method (Potter "five force model") to master mode and "Ali financial" core advantage to analyze the Internet finance, finally Ali financial and banking during the comparison, puts forward the Internet financial mode bank development, Internet banking and finance are in collision with each other constantly promote change.This paper thinks the new model of Internet financial. To the banking business philosophy has brought a great impact, but also provides a rare opportunity for commercial banks, promote the transformation of banking management and business transformation. Facing the rapid development of Internet banking business, commercial banks and other financial institutions should pay close attention to the tendency of the Internet financial, change the concept of development, actively adjust the strategy, the use of the Internet financial mode, can the core business of deep integration of Internet technology and bank, improve customer service quality, expanding the service channels, improve service levels, to adapt to the Internet financial model to the traditional financial pattern of shocks, get new development. According to its own comparative advantage, in support, service entity economy at the same time, to create value for shareholders. Because of the personal banking experience is short, the experience is limited, data acquisition channel is not enough and other reasons, there are the technical and commercial problems of Internet financial model also has certain limitation, need in the future work and learning in continuous study and solve.