Research On Internet Financial Impact On Development Of Cili Commercial Bank

Steps in recent years, along with the development of e-commerce is more and more fast, Internet financial development in our country is becoming mature, the emerging financial power to our country traditional banking business has a huge impact. Represented by pay-and-escrow third-party payment enterprises the meteoric rise of the financial system is changing the traditional banking, its connotation and denotation but also in unceasing evolution, on the bearing of the traditional banking is difficult to shake the financial function such as the medium of exchange, way of payment of the impact and challenges. Based on Internet financial impact on development of commercial Banks as the research subject, Internet financial derivation according to business practice, reference about the Internet financial research, defining the concept and characteristics of the Internet financial, combing the development of China’s Internet financial, development present situation and future development trend, it is in this paper, we study the theoretical basis of; Then, from the perspective of P2P lending patterns and payment two mainly analyzes the effects of the Internet finance of our country commercial bank; On this basis, using the method of PEST and SWOT method to analyze our country commercial bank’s development under the background of Internet financial policy environment, market environment, micro environment, competition and development of commercial Banks under the background of the Internet financial strengths, weaknesses, opportunities and threats; Finally, put forward under the background of the Internet financial development strategy of China’s commercial Banks, including keep core status and inherent advantages of commercial Banks, strengthen the marketing channels, multi-party cooperation, improve the sensitivity of the new technology application, strengthen the risk management, hope to better solve the traditional commercial Banks are awkward position, in order to be helpful to the development of our country’s economy.