The Research On The Impact And Countermeasures That The Internet Finance On The Banking Business

With powerful advance of economic globalization, financial globalization level increases rapidly. The global financial industry is facing a major reform and innovation opportunities, and challenge of financial market competition. In the era of the Internet finance, the develop speed of financial globalization will get further improve, and the traditional way of profit of commercial banks, which is depend on the interest spreads of deposit and loan, will meet more and more difficult to adapt to the financial needs of the practical need. And the homogeneity management of the commercial banks can’t help them to form their own competitiveness. Therefore, the Internet finance revolution, which is triggered by Internet technology, will make a big impact on commercial banks. Only with positive response to it, can the commercial banks survive in the fierce competition.With the analyze of related research of Internet finance impacting the commercial banks, the paper makes sure of the development status at home and abroad, and finds that t he third party payment site gets rapid development, and make business integration of insurance, funds, enterprise, personal online payment and bill payment. P2 P lending has gradually localization, and the company quantity and turnover has witnessed a rapid increase. Many enterprise electronic companies or Internet companies make cooperation with fund companies, and make many kinds of fund products with big trading volume.Because of the stronger innovation of Internet finance, the commercial banks receive a big impact of Internet finance, including changing the pattern of the commercial banks monopoly money pay intermediary, reducing the payment business reliance on bank physical locations, reducing the commercial bank demand deposits business, reducing the demand of financing services and finance products of commercial banks. Furthermore, the paper analysis of the current our country commercial bank under the background of the Internet finance development environment, including advantages and disadvantages. At last, the paper puts put the countermeasure of the commercial banks to Internet finance,such as making promote of the innovation in products and services, actively exploring the Internet finance business, building one-stop financial services platform, promoting the innovation in Internet technology, respecting to the Internet looking for win-win cooperation, improving efficiency of internal mechanism of the commercial bank, making full use of the relevant national policy support, and so on.