Competitixeness Analysis Of Commecial Banks Under The Influence Of The Internet Financial

In the process of development,Chinese commercial banks experienced many different opportunities and challenges.In recent years,with the advancement of Internet technology and deepening reform of finance,Internet finance has stopped into people's horizon and made tremendous development rapidly.This phenomenon has a deep influence on Chinese commercial banks,which not only faced competition within the financial industry,but also faced intense competition of cross-industry.The research on the competitiveness of Chinese commercial banks is based on the background of the rise of Internet banking.In terms of theory,using of Potter's five forces model enough ability at the supplier and buyer bargaining ability,potential competitors,substitute products have the ability to replace,competitors within the industry competitiveness and other aspects of the financial impact of the Internet on bank Competitive power.This paper analyzes the concept and development of the Internet financial status,and sums up the mainstream of the Internet financial model.On this basis,the analysis of Internet financial enterprise genes,this paper expounds the Internet financial genetic influence on the competitiveness of Chinese commercial Banks.This paper focuses on the influence of the Internet financial,build the competition as the evaluation index system of commercial Banks.Selected indicators are divided into three major categories,one kind is the embodiment of bank scale,the power base indicators,one kind is bank competitiveness index of the "three",another kind is manifests the bank Internet financial competitiveness index of the genes.In the process of the specific evaluation of commercial Banks,this paper used the factor analysis method,from 2011 to 2015 of 17 bank make an empirical analysis of the five year's data.Finally,this article considers the result of factor analysis,and competition and the present situation of the cross-border competition,puts forward some Suggestions for our country commercial bank competitiveness.Bank in addition to the pursuit of economies of scale,improve safety,innovation,efficiency,develop intermediary business products and services should work outside,to build and maintain a competitive edge.