Internet Financial Influence On Business Of Chinese Commercial Banks

People have begun concerning over the Internet financial since 2013, which year was known as the first year of the Internet financial. People are familiar with financial innovation products, such as Alipay, Yuebao, We Chat lucky money etc. and they all bring outstanding effect to people within a certain range, exerting a subtle influence on changing people’s lifestyle, realizing the integration of virtual financial and real financial. One side is the Internet financial the new star of the financial industry being forming and swallowing the original share of the commercial bank; on the other side is the traditional commercial bank how to find new breakthroughs when market is under the constant squeeze. Both of them are poised, but actually in the end the benefits belong to people. Under this background, the research on how big the effect can this Internet financial have to the commercial bank, and the commercial bank how to deal with the impact of the Internet financial, is of great significance for the commercial bank development path choice in the future.This paper is on the basis of many previous studies, and systematically analyzes the three main mode of the Internet financial impacting on three main business of the commercial bank, including six aspects:The first part, introduction: mainly elaborate the research background and significance of this paper, even both the domestic and foreign research by summarizing the analysis frame of article.The second part, overview of the Internet financial: clear the related concepts, as well as the main feature of the Internet financial, and describe the present development status of the Internet financial in our country.The third part, the Internet financial impact on the traditional business of commercial bank: Using the normative analysis, respectively analyze the different mode of the Internet financial impact on three main business of the commercial bank.The fourth part, the empirical analysis: put forward relevant assumptions by the analysis of the effects of the commercial bank’s business, and verify it through the different methods.The fifth part, measures of the commercial banks under the impact of the Internet financial: according to the former parts, put forward the corresponding measures.The sixth part, summary: summarize the full text, and point out the deficiency in the article.