Research On Network Financial Impact On The Management Of Commercial Banks

The rise in 2012 net finance the development in 2015 and today has reached a climax of development.In the meantime, the discussion continued financial lively network. For appear balance, envelopes and other micro-channel network of financial products is triggered public enthusiasm for online financial concerns, in which the object is to focus on the financial impact of the network on the number of commercial banks. For this phenomenon, someone exclaimed "Banks have become vulnerable, "that allows commercial banks, online financial "loss", for the "Easy money" of commercial banks profit model has been a big blow. There is also the voice of orthodox finance more of the network is considered an external force caused by commercial banks themselves change, promote the commercial banks of China’s interest rate market under transformation.With the People’s Bank of China and various commercial banks continue to introduce and develop networking between the modern banking system and the payment systems in most cities have also updated the local bank clearing system applications, deposits and withdrawals system, the banking system, banks service enterprise system, bank card processing system. By increasing the financial system’s traditional financial services and online financial services continue to improve skills, which is also easy to macro-financial management and national financial supervision, until now, the financial network is increasingly common, this situation has taken shape. Unique network of financial operations of financial institutions has changed the traditional model, reduce transaction costs, while the efficiency of financial services has greatly improved, but also stressed the important role of financial institutions. Although online financial risks unpredictable, but at the same time, it is more economical interests amazing. Therefore, banks, financial networks of SME face should take active measures to adapt to this trend, as the only way for better long-term development.In addition, in recent years, China People’s Bank and various commercial banks continue to introduce and develop networking between the modern banking system and the system of payment, in most cities have also updated the local bank clearing system, deposits and withdrawals systems, banking systems, banking enterprise system, bank card processing system. By increasing the financial system’s traditional financial services and online financial services continue to improve skills, which is also easy to macro-financial management and national financial supervision, until now, the financial network is increasingly common, this situation has taken shape. Unique network of financial operations of financial institutions has changed the traditional model, reduce transaction costs, while the efficiency of financial services has greatly improved, but also stressed the important role of financial institutions. Although online financial risks unpredictable, but at the same time, it is more economical interests amazing. Therefore, banks, financial networks of SME face should take active measures to adapt to this trend, as the only way for better long-term development. So far, the development of a network of financial step has become the main form of the domestic financial sector, the level of China’s modernization and the development of results-based management and the financial industry to improve international competitiveness plays a vital role. In addition-ongoing technical development, "Paypal", "balance treasure", "Everyone loans" and other new forms of online financial development of rapid, running more than six months balance treasure, current deposits exceeded 250 billion yuan, more than 49 million user, there are more than 6% of financial rate of return.2014 P2P has more than 382.9 billion yuan,2.39 times that in 2013.It is against this background, the financial impact of network business operations of commercial banks to expand the analysis. Based on the nature of financial research network to start, and carried out research and development model and financial status of our network, while comparative study of the network compared with traditional commercial banking financial advantage. On this basis, this paper studies the impact of financial research and analysis network business operations of commercial banks in order to balance the scale of commercial bank assets, operating profit, liquidity and asset quality in four areas of network finance different development models on traditional commercial banking discussion and analysis of the impact of research. Through analysis, we believe that a different model of development finance major networks to influence business scale commercial banks by affecting revenues sheet of commercial banks spread income and banks. Among them, the balance of treasure platform, network platform and network of financial payment and settlement platform is a greater impact on traditional commercial banks. Finally, through a competitive situation in four areas of research under the current business model on the Internet Finance from the commercial banking operations of the channel business, finance and investment financing and other aspects of the formation and gives the corresponding countermeasures. Obtain financial networks and network finance is not the same concept, the network of financial and commercial banks have different business models, compared with net financial, commercial banks at a disadvantage in the competition channel class business and investment and wealth management business innovation, for different type of business, commercial banks should avoid weaknesses, and look for opportunities to cooperate with the field of online banking.