Research On The Internet Financial Model Influence Of The Traditional Business Of Commercial Bank

Internet financial formed by the union of the two industry which is internet and finance, its development is very rapid.Such as a variety of Internet financial services like third-party payment, P2 P financinghave have been effect on traditional business of commercial Banks, such as deposit, agent business. In this kind of market environment, how should commercial Banks preserve their own advantage, and with the help of the Internet financial development oneself is very worthy of study and discussion.Papers analysis from the Internet model and characteristics of financial.Expounding Internet financial management characieristics,including pattern diversification, open business environment, popularization of services,highly efficient and convenient service efficiency,and application analyzed the six kinds of relatively wide range of Internet financial products nowadays and summed up the development of the Internet financial model characteristics. Secondly this paper discusses the current our country financial development present situation and existing problems of the Internet. Final paper study focused on Internet financial impact on traditional business of commercial bank, the Internet financial business of commercial bank assets, which influenced the liability business and intermediary business, and based on these analysis, from the transformation management idea, adjust management strategy, expand their business channels, and strengthen the Internet financial risk monitoring of Internet financial development condition of the traditional business of commercial bank development countermeasures.