Study On The Transformation Of Commercial Banks In Internet Banking Era

Nearly 20 years, the Internet technology through continuous innovation and progress, has made the Internet fully penetrated every corner until human society, Internet financial information, cost, efficiency and user experience, its great advantage, the full impact of the main body status of the financial market of the banking industry. In the 21st century, the second for ten years, the Internet company for non-financial institutions on behalf of the rapid intervention in the financial sector, give commercial bank as the main financial institutions brought severe and rapid challenge, it weakens the traditional commercial banks to provide the dominant position of financial services at the same time and forcing banks continue to learn internet technology, deepen the reform of the management and service mode, continuously improve the ability to respond to Internet banking and overall competitiveness. The first part briefly introduces the research background and significance of Internet banking, put forward to study the transformation of literature research, case analysis and other methods. The second part describes the achievements and experience of domestic and foreign scholars in the Internet Financial direction of the past twenty years, the station draws out the definition of Internet banking and six features on the shoulder. The third part studies the origin and current development of Internet banking and commercial banks, points out the development strategy and direction of financial industry and the Internet industry appeared to coincide, competition is inevitable with. The fourth part uses the SWOT model to study the competitive advantages and disadvantages of the traditional commercial bank, and pointed out the challenge to the traditional commercial banks face in the new era of Internet financial competition. The fifth part of the case analysis of the development of We Chat bank analysis, the traditional commercial banks in the financial advantages and disadvantages of We Chat and need to do those transformation. The sixth and seventh part put forward traditional commercial bank a number of strategic transformation, in order to implement the path selection, and gives in multiple channels, marketing, services, products and staff were active self adaptability for transformation. Finally draws the conclusion:Internet banking is not terrible, the traditional commercial bank to boldly implement six transition, in the era of Internet banking development in the-dances with wolves, filling a hero.