The Internet Financial Analysis On The Challenges And Opportunities Of The Traditional Commercial Bank

This paper use literature research, data analysis and classification analysis method,through reading massive domestic and foreign literature. A preliminary understanding of the western financial innovation theory, the development status o f foreign Internet financial summary, and through the chart data related to analysis the current situation of Internet financial development in China.The impact of Int ernet Finance summed up the major commercial banks in several business and an alyzes the reasons, and on the basis of analysis the advantage of China Commer cial Bank of its own, to commercial banks to put forward suggestions and measu res on how to deal with the impact of the Internet Financial.Existing research shows that, the domestic scholars define the concept of I nternet Finance our country there is no uniform concept, and competition betwe en China’s Internet Finance and traditional commercial banks through the analysis of different business mode,so that the corresponding coping strategies of literatur e is very little, most of the studies are just from the Internet Financial and traditi onal compare the advantages and disadvantages of the Commercial Bank of macr o level analysis.Based on the definition of the comb the Internet finance, through the analysis of different internet financial business mode, on the Internet Finance and traditional commercial bank competition situation, and Commercial Bank co ping methods are more comprehensive analysis. Domestic scholars in the analysis of the Internet financial impact on commercial banks, the majority concentrate d in the qualitative analysis, there is no study on the quantitative data analysis. T his paper starts from the related items of the financial statements of commercial banks conducted a quantitative analysis, carried out more detailed research in th e influence of the Internet Finance on the profitability and profit of commercial b anks.From the analysis of the commercial bank’s profit angle: in the profit item, the third party payment through the influence of fee and commission income of the commercialbanks,commercial banks operating income effects which affect th eir profitability, the emergence of balance treasure products but also to some exte nt the diversion of funds to the bank financing, bank financing business income red uce. Cause the reason of these adverse factors have four points: restricting the ind ustry environment, the profit structure unreasonable, the intermediate business var ieties comparison abroad less, use of funds is not reasonable.Commercial banks should realize the Internet financial impact and challen ges, learn internet enterprise way of thinking and concept, pay attention to the in tegration of information, pay attention to customer experience, improved to adapt to the new internal andexternal environment of the organization structure, busines s mode and service mode of Commercial bank has the advantage of brand credit, risk management and capital strength, commercial banks and the Internet financ e is not just simple competitive relationship, both of them can be in-depth cooper ation in financing, sales channels and so on, to realize the sustainable developmen t of double win through the complementary advantages and sharing of resources.