Research On Realize The Complementary Advantages Andwin-win Model Between Internet Finance And Traditional Finance

By means of new generation of Internet technology such as search engines, social networks, cloud computing, big data and mobile payment, the internet enterprises has extend their service to the financial sector. Traditional financial management mode, profit margins and service mode has been seriously impacted. On one side is typical electricity enterprise represented by alibaba, with its data and technical advantages, gradually into financial sector, such as the network lending, financing, third-party payment; another side is the traditional financial institutions, feeling the "surging wave" of development of the Internet finance, constantly innovating, to speed up the development of e-commerce, mobile payment and other business and innovation, trying to create a more diversified business and provide more rich products.Under this background, this article studied on how to realize the complementary advantages and win-win pattern between the Internet finance and traditional finance. Article on to give a brief introduction of the rise of the Internet financial, small loans in the ali typical cases more comprehensively the SWOT analysis was carried out on the Internet finance and traditional finance, and explore the Internet is a substitute or cooperation between finance and the traditional financial problems. This paper argues that the Internet between finance and the traditional financial strengths, efforts should be made to achieve a win-win development of the complementary advantages to each other. Due to the academic study of the Internet financial work has just begun, rare financial with traditional financial in the Internet, the more fully into their competition problems, so this article selected topic has certain novelty. In addition, in the process of analysis, this paper USES SWOT analysis method, through the practice of case study, theory with practice, therefore also has a certain innovation on analysis method.This paper argues that the development of the Internet financial formed a challenge on the traditional financial in the following several aspects. First of all, the Internet financial impact of the traditional financial value creation and realization way. Internet financial model unique openness, convenience and low cost products advantages, weaken the traditional financial institutions greatly compress the profit margins of traditional financial institutions. Second, the Internet financial weakening the function of traditional financial payment, impact on the traditional financial intermediary business in the field of payment. Again, the Internet financial model to reconstruct the existing financial landscape, increased the financial enterprise survival pressure. Finally, Internet financial mode of traditional financial institutions poses challenges intermediary function and information intermediary function.Using the SWOT analysis on Internet financial mode and the traditional financial model, this paper argues that Internet financial models relative to traditional financial advantage in information transmission and transaction cost, large data analysis and business object, etc., but in financial strength, product variety, risk control to less than traditional financial mode, so both sides are more form a complementary situation. In addition, although the Internet financial face unprecedented opportunities for development, such as don't match the long-term financial supply and demand in China, the progress of Internet technology, the change of the customer financial needs and financial liberalization under the background of the relative tolerance of the regulatory environment, and so on favorable conditions, but the financial risk inherent in the Internet and dependence on traditional financial institutions, combined with traditional financial special social status and power were to Internet finance in the short term is difficult to replace traditional finance.So this article finally puts forward the following Suggestions on the cooperation between the Internet finance and traditional financial. First of all, It is important to establish long-term effective mechanism of information sharing, by sharing information and technology, to realize intelligent office. Then through playing each specialty to provide multi-level financial services, satisfied a comprehensive range of financial needs. The last is to draw lessons from the Internet financial concept, a positive innovation, implement blue ocean strategy.