The Impact Of Internet Finance On Chinese Traditional Bank Business Model

In recent years,Internet Finance is a hot issue.Its influence on us is not only limited on financing,but also on our way of thinking.In the past thirty years,due to the development of China's financial market 's imperfect,personal and corporate financing target selection is often passive,we accept products they provide passively,and our investment scope is limited on indirect financing.The development of Internet Finance has changed the competitive landscape of the market a great extent,not only the information but also the financial market play a very important role in the competition.In the financial market,the traditional commercial bank of our country has the longest development time and the largest amount of funds,which plays the most important role in the competition.In the past,interest rate controls has also brought high profits to the traditional commercial banks,at the same time also inhibited the commercial banks to seek more efficient business model.The development of Internet Finance has brought a great impact on China's traditional commercial banks both in the overall level of profitability or in the business model.The purpose of this study is to find the development of Internet Finance in the end to the traditional commercial banking business model has brought what impact,and looking for the traditional commercial banks where is the way to achieve a breakthrough,to reverse the current situation.The main content of this paper includes the introduction of business model,introduces the development status and business model of Internet banking and traditional commercial bank,and compares the two business models,and has set up Silicon Valley Technology Bank and China Bank of science and technology as an example,compares the shortcomings of innovation in China's business model innovation in business models finally.At last,the paper put forward the innovative business model of Commercial Bank of our country road.The research methods are literature reading and case analysis.The conclusion of the research is that the business model innovation of the traditional commercial bank of our country needs to take the road of specialization.The innovation of this paper is to analyze the Internet Finance and traditional commercial banks from the perspective of business model.