Research On The Development Mode Of The Commercial Bank Of China Under The Background Of Internet Financial

With the popularity of the Internet in the world and a wide range of applications,Internet banking’online banking, mobile banking and mobile payments are developing rapidly by the upgrading Internet technology. With Ali small loans and other financial services flourishing in the new country, thus forming a new financial mode-Internet financial. Currently-mutual financial institutions especially the banking sector have been impacted by Internet financial with the rapid growth of it. the competition within commercial banks will be increased, thereby changing the business mode and even running pattern of the banking industry. Therefore, to study the development of Internet financial has become necessary, especially for the banking regulatory agencies to search the new way to monitor the fields and problems with theoretical and practical significance.The full text is divided into five parts.The first part is an introduction about the background, significance, content and methods, as well as domestic and foreign literature review. The second part is the theoretical basis of Internet financial, including its concept, features and support for the theory of Internet financial modes. The third section looks at the development of the Internet financial in China and its impact on traditional commercial banks. The history, business mode and financial problems are all talked about in this part, mainly about the impacts of business philosophy, business mode, service mode and income source of the commercial banks by Internet financial. And based on the development of P2P platform over global, the paper tried to forecast the future development trend and to grasp the full range of the development mode for China’s commercial banks under the financial background of the Internet. The fourth part focuses on the current development mode of China’s commercial banks. First, the competitive advantages of China’s commercial banks and Internet financial respectively. Then,the comparison about the current exist different modes in Internet financial field of China’s commercial banks. Last, we gave the defects of our current mode. The fifth part gave the practicability methods which may help transform the operating philosophy, competitive strategy and serve mode to embrace the new type commercial bank, thus providing higher real value of this paper.