Research On The Transformation Of Commercial Banks Under The Impact Of Internet Banking

With the development of economy,the Internet has become an indispensable tool in the market.With the introduction of Internet technology in the financial industry,the Internet has gradually been more financial.This new financial model costs little and has high efficiency,involving a very wide range of areas,which the development of a high degree of openness promotes its development and growth.With the rise of Internet banking,it changes the model of the development of traditional commercial banks,to a certain extent,causing great impact of the development of the traditional financial industry and weakening its role in the middle.Internet finance uses its unique advantages to change the development model of financial market,in particular,to change the traditional business model of commercial banks.Current Internet finance is gradually on the rise and traditional commercial banks have suffered great challenges.In order to survive and develop themselves,they have begun to take measures to change the mode of operation,more mature with the following:(1)The traditional banking business is Internet-enabled,which makes the distance between each other much closer;(2)Traditional banks should take positive cooperation with Internet companies to form complementary advantages;(3)Banks should build their own e-commerce platform;(4)Direct banking model.In this study,we will focus on several bank models the above mentioned to get more accurate conclusions and make due contributions to the development of the economy.In this research,it mainly uses case analysis,comparative analysis and inductive analysis.The research uses case analysis to compare several classical cases,laying the foundation of future banking development.And inductive deductive method and comparative analysis method focus on the transformation development status and history of the commercial banks of our country.It combines theory and practice organically to get down to research and find out the transformation path of the traditional commercial banks surrounded by Internet finance.In this research,we focus on the transformation of traditional banks and expand it to meet the needs of society development.The whole thesis is based on the background of Internet banking.The main point part of the research is the commercial banks transform the mode of operation to take the best measures to promote the development of the banking industry in modern society.