The Impact And Countermeasures Study Of Internet Finance To Domestic Commercial Bank

Since the invention of Internet technology in the United States in 20th century, in just a few decades, the Internet technology rapidly changing our lives. And gradually formed a "open, equality, cooperation, sharing" as the essence of the spirit of the Internet. This combination of the spirit of the Internet and the industry, gave birth to a large number of newborn format, both the convergence between these new formats and formats inherent, but also compete with each other. Internet financial widespread attention in recent years, on one hand it is caused some impact to the commercial banking business, on the other hand it is also deposited into the innovation and development of commercial banks.In this paper we are starting with the concept of the Internet financial, first defined the scope of the Internet financial, and then describes the Internet financial contains various formats and their development status. Then the three major commercial bank operations as the starting point, the effects of different formats on the commercial banks caused by the financial model for a detailed analysis. Through the analysis of this article that the Internet business of commercial banks financial assets less affected, but through its impact on savings deposits and demand deposits to some extent, the debt business of commercial banks caused some impact. Wherein the Internet IMF and the P2P lending, the impact on the most significant liability business. Through its impact on commercial bank fee and commission income, but also have a more significant impact on intermediate business of commercial banks.In the end,this paper brings some advice to the commercial banks when in the face of Internet financial.