The Research About The Impact That The Internet Finance On The Traditional Banking Business Model

With the vigorous development of e-commerce, Internet financial is emerging in our country. By using big data, cloud computing and mobile payment emerging Internet technologies and the raise of financial innovation business,Yu’ebao and P2 P developed rapidly in our country. The development of the Internet financial innovation bus P2 P iness mode of various, continuously eroding the traditional banking business territory. commercial Banks have been setting up their own electric business platform, to launch all kinds of wealth management products, P2 P network platform to meet the challenges of the Internet financial loan after 2014. With the financial disintermediation, marketization of interest rate gradually, the backdrop of the decline in the overall economy in our country, the traditional bank urgently need to speed up the transformation development and innovate financial business. there is no doubt that Internet financial provide a opportunity to commercial Banks. Therefore, specific analysis of the effects on the traditional banking business has important theoretical and practical significance through the study of mode and current situation of the development of the Internet financial.Firstly,this paper analyze the research background and research methods at home and abroad about the Internet and its impact financial development literature, the paper, and then summarize the relevant theoretical basis for Internet banking, and to find the root causes of its rise.The third part start from the definition, classification and other basic mode content, further elaborated the status of development of the Internet and financial problems,laying the foundation for the analysis of the impact of the following factors. The fourth part combine the qualitative and quantitative research methods to analyze the impact of commercial banks that caused. The fifth part use the specific cases- Ali finance as a microcosm of the Internet financial models to analyze a variety of innovative financial services and strategic layout.Finally,basing on the analysis on the influence of the Internet financial,the last past summary some measures that traditional bank can take to conform to the trend of The Times and embrace the Internet, such as taking positive development of the Internet and big data technology, attaching great importance to the customer experience, strengthening the cooperation with Internet companies to seek a long-term development.