| In recent years, with the rapid development of the Internet financial, some new terms turn up soon and change our life, such as third-party payment, Peer-to-Peer network loan, crowd funding, etc. As an effective complement to traditional finance, internet financial reduce transaction costs, enhance the quality of service, promote social consumption, and guide the operation of private capital norms, but also put a lot of risk. At the same time, the commercial bank deposits, financial, credit and other traditional business is attacked by internet financial, the commercial bank credit card payments, credit cards and consumer credit product line constitutes a real threat. In the face of challenges, commercial banks have been made to enter the direct banking, build electronic business platform, online banking transformation and many other response, but for how to further the Internet is still facing a lot of problems.In this paper, I analyzed the current operation mode of GF credit card, discussed the influence of GF credit card by the Internet financial,listed the measures of GF credit card, discussed how to further optimize the GF credit card business model in order to better cope with the internet financial, in order to achieve sustained profitability and development.Based on lots of related research of Internet financial on the Internet, this paper has analyzed the respective advantages and disadvantages of both Internet financial and commercial banks. It has conducted the thorough research on the impact of Internet financial on banking business, especially on the credit card business, that is the reversed transmission mechanism of payment, acquiring and consumer credit product line. And it puts forward the countermeasures and suggestions for commercial banks to deal with the impact. And in combination with the practical situation of China Guangfa Bank credit card, more specific measures are proposed for its operation mode optimization plan. |
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