Innovative Research On Commercial Bank’s Servicc Mode At Network Era

Future development of businesses related finance will focus on big data and cloud ITand mobility, and commercial banks is even more so. The Internet Financial Institutionswill benefit from the new data and technology, and customers’ coverage and efficiency willbe greatly enhanced. The company has big data and technology will have more chance ofwinning, and all this will certainly reshape the financial landscape.It has a considerable competing relationship between The Internet Financial，commercial bank, and The Internet Financial will be fully Fight the commercial bank’straditional business. Previous Internet financial is complementary to commercial banking,and it is to fill the financial services gaps, but its greatest potential is to change and developthe consumer’s network financial behavior. The Internet Financial makes commercialbanks restlessness, except for changing the traditional business philosophical customary,and the commercial banks should improve their content and services and adapt tochanges in the financial behavior of the new era to snatch the financial markets big cake.During the process of long-term operation, traditional commercial banks graduallydeveloped a large number of physical outlets, which formed the trade barrier. This barrieris just the biggest shortage for other new financial service providers to enter, because thephysical network means that the accumulation of long-term customers, services in a widerange of channels and service content which is deeply rooted in the hearts of the people.However, the advantage of its branch was weakened by the network bank business,and it isn’t limited by time and space of traditional physical network. in the network serviceprocessing, an independent web site can not only complete all customer demand docking,,but also provide24hours service. Thus, lots of limitation was broken by networktechnology, such as, bank lines, office hour work and so on. On the contrary, along with therising cost of real estate and service sectors, the traditional physical outlets increases theoperating cost, and more public opinions dampened down the traditional physical network.Under the impact of the network financial service, the traditional bank physical networkgot saved, but its function also gradually changed, so does the traditional advantages ofbanks.Under the new circumstances, the commercial bank should gradually improve theirability of financial service from the service mode innovation. It should give himself newposition and program in the development blueprint, find the accumulated resources,improve its service content under the new market order, explore new service channel,establish a new service mode and straighten out with other financial service providers, and then everyone will win. Besides cooperating with regulatory departments, realizing themanagement and supervision to reserve fund and increasing risk aversion is important tomove with the time and maintain the leading position in the industry.