Research On The Development Of Commercial Bank Under The Background Of Internet Financial

Bill Gates once said:"The21st century is a group of traditional commercial banksextinct dinosaurs." China Ping An Insurance Company Chairman Mr Ma in2013made hisspeech:"Green Finance Bank in the next three years, the biggest competitor is notcommercial banks and other traditional financial businesses, but Tencent, Alibaba and otherInternet technology companies." indeed, from the moment of its Internet banking generatedon traditional commercial banks have a greater impact, and over time, an increase incustomers, and gradually a threat to the future development of the commercial banks. Ase-commerce mode are expanding rapidly in the world of Internet companies have a great dealof user information in the development process, and provide financial services based on theuser ’s financial preferences, demand for. Service model also pay funds from the simplest togradually carry out fund management, remittance business, fund distribution, cashmanagement, insurance agents, small loans, supply chain finance and other commercialbanks involved. Internet banking is gradually affecting the commercial banks at the sametime, Internet-based financial company through the Internet platform to provide customerswith professional financial services industry, this also means that between the financialindustry and the Internet industry had overlapping operations, commercial banks in thedevelopment of the Internet in the Financial Times faced with the formidable threat.Internet financial services have a wider space for development in the future, whichbecause of its convenience, and the public nature of the cause, so that customers can transactbusiness in the network, this convenient mode of operation will be based on a traditionalcommercial bank credit mode disruptive impact. Therefore, this combination of Internetbanking features through STOW pattern analysis, analysis of threats and challenges in thedevelopment of the Internet commercial banks facing financial needs of the times, and putforward the corresponding simple model for future development of commercial banks.Internet banking business in the country in its infancy, but also a lot of information and data isnot sufficient, and my limited capacity, there are insufficient places in the text also hope thatcriticism so that you can improve the future development of Internet banking background under commercial banks.