A Research On Internet Finance's Impacts On China's Commercial Banks And The Coping Strategies

Internet financial with its represented by the Internet platform and mobile communications technology core strengths, to pay for rapid layout, settlement and financing, such as the financial sector, a positive innovation, try to change the traditional bank deposit, loan, transfer for the clients for business the only way of financial structure. Chinese Internet finance from the initial rise of the third party payment, to the network of large electronic commercial platform developed lending business, to present to the network finance, insurance, etc in various fields continuously penetration, its influence is common concern from all walks of life. As a new financial power, the rise of the Internet financial shock at the same time the structure of traditional financial system in our country, especially in our country commercial bank system, and its means of influence and impact, as well as commercial Banks should be how to deal with many problems are worth studying. Our commercial bank must survey this new format from a strategic perspective, and seek the depth of the integration of the technology and finance.First of all, based on the Internet in the rise and development of the financial situation, the platform model theory, financial intermediaries, financial innovation theory as the support, such as selecting third-party payment, Internet banking credit and network of the three main business model, analyzed the characteristics and advantages of Internet financial model and the impact of Chinese commercial Banks; Secondly, in-depth analysis of the Internet financial model with the traditional commercial banking in China between competition and cooperation relations, through the SWOT analysis to find out the bank deal with advantages and disadvantages of the Internet financial shock; Again, in order to A bank as the investigation object is A case study, analyzed A bank financial innovation in the Internet on the road to explore and problem; Finally, the commercial Banks in China under the background of the Internet financial rise in the future a period of coping strategies and puts forward some rationalization proposal direction.According to the article, the traditional bank should actively absorb advantageous change and innovation of Internet financial enterprises, the opportunity of their own grasp transformation, keep up with The Times, and at the same time on the Internet and the trend of the development of financial make reasonable forecast. Articles for further understanding the development of the Internet financial and other traditional Chinese commercial Banks to actively respond to the development of the Internet financial, has some policy implications.