Redistribution Of The Commercial Bank Under The Background Of The Internet Finance

With the development of the wave of mobile payments, social networks, big data and cloud computing and other Internet information technology to third-party payment, P2P, net lending and financial institutions on behalf of the Internet online platform for the rapid development of financial models, not only changed the financial markets pattern, also contributed to the overall reform of the financial system.Especially in the BAT as a representative of the Big Three Internet companies gradually deepened payment and settlement, credit and other core banking, commercial banking service functions, services, channels and platforms patterns have formed a huge impact and challenges. Among them, including online payments, similar to the balance of demand deposits and deposits treasure product class credit and other Internet financial services network, with current commercial bank branches of financial services high degree of overlap, covering the operation of the payment and settlement network, deposit subsisting the main business variety, microfinance, financial consignment. This is bound to split the existing network of financial service mode, for network operators to bring a comprehensive and systemic shocks. Undoubtedly, the commercial bank branches in urgent need of strategic transformation, from geography, function and service models, etc. are needed reconstruction strategy.In this paper, the Internet development in China investigated the financial basis of its impact on the banking industry, commercial banking strategy proposed changes and network remodeling ideas, and Wuxi Branch of China Minsheng Bank, for example, through its implementation of the "two small financial "comprehensive strategic analysis, carried out the reconstruction of the network design.Through analysis, CMBC Wuxi Branch business networks should be implemented as soon as possible strategic transformation in the traditional settlement and sales outlets simple classification transformation, geography reconstruction, the implementation of "two small financial" strategy to build the core competitiveness outlets under the new situation force, and leading commercial banks yet further transformation; through the implementation of the next financial online outlets and Internet line linkage strategy, build a new model of service outlets and improve service efficiency, enhance the core competitiveness of outlets; floor through the implementation of mobile financial strategy, increase in the cost of bank settlement procedures, strengthen the public business cooperation related businesses, improve corporate businesses and individual clients viscosity, and thus enhance the core competitiveness of outlets.