Research Of Network Financial Impact On The Traditional Commercial Bank Innovation

Network information technology has obtained the considerable development in the modern era, has been applied to all walks of life. In recent years,[Akamavi, R.K.A research agenda for investigation of product Innovationin the Financial services sector. Journal of Services Marketing,2005,19(6):359-378.] with the rapid development of Internet technology, Internet companies and financial institutions have their respective advantages into the network from the field in financial field, financial network can be formed. Network finance is based on the Internet technology and the new generation of a new financial model, it is mainly involved in cloud computing, network payment, online banking and other financial business. It is based on the Internet as a tool, to the traditional financial services were extended.This article used the literature review, case analysis, in-depthinterview method, the comprehensive evaluation model and so on many kinds of methods to study, to our country commercial bank in the development of the market environment, policy environment, competition environment, carried on the thorough analysis, as well as sufficient to consider the reality of our country, the existing service innovation theory, deepening the research on commercial Banks under the network financial environment to reveal the mechanism of action of service innovation, and build the influence of related models; At the same time in the process of research also builds up the model, the function of the network bank to use this to make up the deficiency of the existing theory, and from the Angle of the theory in the network financial environment of commercial Banks how to deepen the innovation of the customer service. Plus the minsheng bank as innovation advanced cases were analyzed, and use this to guide innovation practice activities of commercial Banks. Discusses the innovative services in the commercial bank market expand and consolidate the role of the market. The content of study for Chinese commercial Banks better use of network finance has a guiding role, but also can effectively avoid brought by the network financial risk factors, to ensure that the bank profit maximization.After theoretical analysis and case analysis, the author of this paper concludes in the network financial the fundamental power caused by the micro environment change and customer satisfaction changes such as change of direct power drive, commercial bank make a corresponding reform and innovation, innovation of innovation at the same time also cause the innovation of profit of commercial Banks.Network financial directly affect the commercial Banks to innovate on the one hand, on the one hand, indirectly through reform of customer demand, the competitive environment of commercial Banks, the micro environment factors such as driven commercial Banks to launch innovative activities. Different kinds of innovative activities, its slightly different innovation drive, it shows that the direct relationship to the innovative driving force and innovation activities. Is similar, different types of output of innovation is not the same, this shows that the contact has certain innovation and innovation output. So the traditional commercial Banks must through internal business model change and system for innovation to promote the reform of bank risk control, optimize the Banks use advanced database system and the integrated system of risk control.