Study On The Developing Impact Of Domestic Commercial Banks And Countermeasures Of Internet Finance

With the rapid development of Internet information technology, many traditional industries encountered concussion. Especially internet financial,profound influence and great attack have gradually appeared in domestic finance field with it's financial innovation.Some people think domestic traditional commercial banks must be subverted by internet financial.On the contrary, some people also think internet financial brings opportunities and cooperation to domestic traditional commercial banks.However, it reminds us to deeply study and analyze the development of internet financial and the influence factors to commercial banks because of these different viewpoints and thought. It is quite necessary to analyze that how internet financial seized the benefits of domestic commercial banks and straighten up the development relationship and interaction between them objectively.The article elaborates the background of internet financial rise and points what the significance of research influence of the development is. It clears up the skeleton of thinking and arrangement of the whole paper.Based on defining internet financial and introducing the main business form, it foreshadows the analysis of influence and suggestion as below. It discusses the inevitable attack what internet financial brought to commercial banks by carding the role of intermediary, behavior idea,management pattern,service structure and profit situation of domestic commercial banks. By qualitative Analysis of comparing the advantages and disadvantages between them. It collects the data of balance sheet,profit statement and financial index and analyses rationally. It also reveals the detailed influence which internet financial bring for assets,liabilities and incomes of the commercial banks.On the side of assets,the financing influence is limited. The relationship on business between them has more complementary due to the different level of customers. The following is that discuss the development process of internet financial of commercial banks, introduce implemented strategy of ICBC and induce the problems ofcommercial banks on supervision,pattern and platform. At last,for promoting the benign development of domestic finance industry, the paper summaries the countermeasures and suggestions under the background of internet financial.