A Study On The Transformation Of Traditional Commercial Banks' Profit Model Under The Background Of Internet

Has achieved rapid development in recent years, information technology, information technology applications, and for people's work and life plays an important role. Internet technology application in people's financial life to the originally from traditional commercial Banks dominated areas has injected new vitality. The current payment and settlement, personal wealth management, and financing needs of preliminary stage of the application of the Internet financial supplement function aspect, entered the high-speed development and has achieved good results. The Internet than traditional commercial bank financial can more close to the financial needs of the Volkswagen group, and render relied for Internet financial strength.Through theoretical analysis, it is found that the Internet finance has a significant impact on the intermediary business, the cost of capital use and the personal loan business of commercial banks. It is worth noting that in the past and the traditional commercial bank business belongs to the disjoint P2P loan business has been gradually on the right track, have begun to develop a lending channel especially for the personal loan business, with strong competitiveness. On the basis of this, this paper further argues that the impact of Internet banking on the intermediary business is relatively limited, but it has a greater impact on the assets and liabilities business. Finally, according to the latest P2P market trends from 2016 to 2017, we can draw the conclusion that the P2P loans have begun to have a significant impact on the traditional commercial banks and the impact will continue to increase. In the future, commercial banks must take effective measures in the field of personal loans and small amounts of loans or earnings will deteriorate further.