Research On The Development Of Traditional Financial Industry Under The Impact Of Tnternet Banking

With the rapid development of network information technology, Internet industry quickly infiltrated into people’s daily life, relying on the development of Internet technology. Internet banking have important significance to improve the financing efficiency of the financial sector, reduce the cost of financing, promote the growth of the real economy, change the traditional finance off the real to the imaginary tendency and solve the problem of financing in small and medium-sized enterprises have important significance. During the two sessions, the “Internet +" action plan makes all walks of life and Internet companies to seek cooperation and possibility, and further promote the development of Internet banking. And the maturing of the Internet banking has brought a certain impact and impact for the traditional financial industry to force its reform and transformation.The financial impact of the Internet on the traditional financial industry is mainly reflected in the assets business of bank deposit rate reducing, business liabilities financing business by extrusion and intermediate business income is diverting etc.,also have a great influence reflected in the securities brokerage business marketing channels, differentiation and the entire industry commission rate. A certain extent of trusts and insurance industry has had an impact. Based on the above analysis, the research methods of the traditional financial industry under the impact of the Internet were studied by theoretical analysis and case study.. The paper also gives the future development strategy and suggestion for the banking, securities, trust fund and insurance industry under the different effects of the Internet banking.Although the Internet banking has brought some impact and challenge to the traditional financial industry, it is not enough to shake the traditional financial position.. Traditional financial should draw lessons from the thinking mode of Internet banking, and starting from the strategic adjustment, the mode of operation, business innovation and risk prevention and actively seek cooperation with the Internet enterprise, to promote the change and reform of the financial sector.