An Analysis Of The Impact Of Internet Financial Development On The Operation Of Commercial Banks And The Countermeasures Of Commercial Banks

Concerns over the Internet financial began in 2013, the year is also called the "Internet" of the first year of financial. Alipay,Yu Ebao,We Chat Red Envelope etc. These people are familiar with financial innovation products, all within a certain range cause remarkable, at the same time exert a subtle influence on changing people’s way of life, realize the integration of virtual financial and financial reality. One side is the show of the financial industry of new Internet financial swallowing the commercial Banks are gradually formed the original market share, on the other side is the traditional commercial Banks face the challenge to speed up the bank on the net and the application and popularization of mobile payment, poised on both sides, but in the end is to benefit the people. Under the background of the research on the Internet how much the influence of finance of commercial Banks, at the same time commercial Banks how to out of its predicament, the choice of the future development of commercial Banks is of great significance.This article is divided into six parts: the first part is introduction, introduces the research background and research significance, literature review and the structure arrangement, with clear frame outlined this paper; The second part is related theoretical basis about Internet financial. Internet financial development is based on the theory of financial inhibition, the long tail theory, the general equilibrium theory, the theory of financial intermediation, and financial innovation theory. The third part is the research of Internet financial development status quo. Not only summarize the experience of Internet financial development, in United States, but also explore the existing development of Internet financial in China. with the network bank, the Crowd-funding, P2 P network credit, third-party payment modes as examples, this paper introduces the scale in Chinese market. The fourth part is the reason which the Internet financial appears and the analysis to the commercial bank. Firstly, human factors and technical factors are the two reasons for the emergence of the Internet financial. Secondly, the effect of Internet financial on business banking is analyzed. Using concrete examples show the three traditional business of commercial banks by the impact of Internet financial products. And regression analysis of the impact of the balance of treasure per quarter of the new volume of commercial banks net profit per quarter. Draw the conclusion and give the economic explanations. The fifth part, the strategy analysis of commercial Banks. Based on the analysis results of the fourth part, put forward the corresponding countermeasure, make traditional commercial banks find the development direction, and on the way of competition and cooperation in the future to better serve the people. The sixth part summarizes the conclusions obtained in this paper and suggestion measures are given out. At the same time, the deficiency of this article is pointed out.