Research On The Impact And Countermeasures Of Internet Banking On Liaoyang Bank

The internet banking is based on the development of the Internet technology,a great change in the financial industry.Since the end of ninety "s in twentieth Century,the rapid development of Internet technology has made various industries in various fields have different degrees of change.And the financial industry is the most affected by the Internet industry.Internet banking has become an important force against the traditional financial industry.And as a pillar of the financial industry,commercial banks are also affected by the impact of the Internet and financial.After entering the twenty-first Century,the rise of private capital,especially the rapid development of Internet companies,so that the focus on the Internet to communicate the exchange of enterprises began to gradually expand the financial sector.In order to be able to successfully complete the online trading activities,have developed their own Internet banking industry.In 2004,China's first third party Internet payment tool--Alipay officially launched,became the beginning of Internet banking.On April 8,2010,Alibaba group,the petty loan company officially obtained the business license,Alibaba,Tencent,Baidu and so on a number of Internet companies will tentacles extending toward the financial sector,marks the Internet banking has become the new norm for the large-scale development.In the new era of Internet banking,how to face the challenges of Internet banking,how to expand the new space for development,will become an important issue in the current stage of the traditional commercial banks and the future.Liaoyang bank as a local joint-stock commercial banks,in its development process,also encountered the impact and challenges of the Internet banking.This study begins with the characteristics of Internet banking,analyzes the characteristics of the new business forms of Internet banking,such as the third party payment platform,P2 P lending,public chips and big data,and its impact on traditional banking business.And Liaoyang bank online banking,online payment,community finance,banking,P2 P and other new business development analysis,understanding of the traditional commercial banks to deal with the impact of the Internet financial impact of the efforts.Finally,on the basis of comprehensive analysis of the traditional banking and Internet banking on the basis of the unity of the Bank of Liaoyang,for example,from the traditional banking business,the new business development and other aspects of the proposed countermeasures.