| With the development and popularization of network technology in the world,Internet finance,as a brand-new financing model,has also enjoyed rapid growth.At present,all kinds of innovative financing businesses,such as mobile banking,online bank,Yu’ebao,and mobile payment,are surging up in China.Financial institutions including banks are gradually being impacted by Internet finance,and Internet finance will become stronger in the future,leading to fiercer competition with commercial banks and even significant changes in current operational pattern and model of the banking industry.Therefore,currently it is very necessary to analyze the development of Internet finance.Questions such as how should the banking industry,as the leader in finance,deal with this situation,and how should regulatory bodies better supervise and manage Internet finance,are key issues to be studied.Moreover,such studies are significantly meaningful in both theoretical and practical perspectives.This article first introduces international and domestic research findings on the impact of Internet finance development on commercial banks,expounds the connotation of finance,Internet,and Internet finance respectively,analyzes the integration degree between the Internet and financing industry,and further finds reasons for the appearance of the Internet finance model.Taking Industrial and Commercial Bank of China(ICBC)as the example,the article analyzes its exploration on Internet finance as well as its main problems in dealing with Internet finance at present: service level is not high enough,customer experience needs urgent improvement;defective product supply with a serious homogenization problem;market segments are not specific enough,marketing channels depend on traditional branches too much;online information is not smooth enough,channel integration ability needs to be enhanced.This article holds the view that,targeting at major problems in dealing with Internet finance at present,commercial banks should firstly improve their operation model and enhance the level of service.Secondly,the cooperation with Internet financing enterprises should be strengthened to innovate in product design.Thirdly,the Internet channel should be integrated into the business channel network of ICBC.Last,the information advantage of “big data” should be strengthened and transformed into an information medium.At the same time,Internet financing risks control should be enhanced.This study provides suggestions and countermeasures for commercial banks in developing Internet finance,demonstrating certain reference values for commercial banks’ exploration on Internet finance. |
