Research On The Transformation Of Commercial Banks With The Background Of Internet Financial Development

The current Internet technology is pushing the information revolution to a new level,and the internet finance such as the third party payment,big data,P2P net loans,crowd-funding,Internet bank,has a profound impact on the financial circles.With the rapid development of Internet finance,the development of network information technology is changing the operation mode of the bank.These new financial formats will inevitably cause a huge impact on the traditional business,but also force the traditional commercial banks to combine the core strengths and comprehensive functions to meet the challenges of the future.The traditional commercial banks are in sharp contrast with Internet finance in the service model and the profit model.the business philosophy and business model of Internet finance are helpful to commercial banks.This paper is divided into six parts:The first chapter is the introduction,which mainly introduces the significance,background,innovation and structure of the thesis.The second chapter is literature review and theoretical basis.This paper introduces the scholars' research achievements on Internet finance and the transformation and development of commercial banks.The third chapter is the overview of the Internet finance and its influence on the commercial banks,which introduces the concept of Internet finance,the causes and the development process,characteristics,main types,etc.In this part,the author also analyzes and compares the data of the commercial bank and the Internet Finance in recent yearsThe fourth chapter is about the transformation of commercial banks with the back ground of internet financial development.It is Starting from the existing problems of commercial banks,analysis of the characteristics of the Internet Finance and Its Enlightenment to the development of commercial banks,and analyzes the possibility of commercial banks to take Internet plus strategy.The fifth chapter is to explore the commercial bank business transformation with examples,which analyze the current useful attempts of commercial banks in the face of Internet Finance.The sixth chapter is the summary and suggestion,which points out the final conclusion of the paper,the suggestion to the commercial banks and inadequacies of the paper.This thesis mainly focus on the Internet finance and commercial banking business,using the methods of literature review,sample analysis and empirical analysis etc.,it has a strong practical significance on the development and transformation of commercial banks.