A Study On The Influence Of Internet Finance To The Operational Management Of China's Commercial Banks

In recent years,the rapid development of Internet finance,has been extended to various fields,Its main business has affected the business of traditional commercial banks,P2 P loan business reduce the spread of commercial banks,The third party payment business squeezes the small settlement market of commercial banks,and have substituted trends.Traditional commercial banking industry as the main body of traditional finance,its development is essential,the relationship between the stability of the national economy,Therefore,the traditional commercial banks to deal with the impact of the Internet financial measures determine the direction of its strategic development,At the same time,operation and management is the basis of the development of commercial banks.The operation and management ability of commercial banks is related to the success or failure of commercial banks' business strategy,which is related to the implementation of core competitiveness of commercial banks,The impact of Internet finance on commercial banks is bound to affect the operation and management of commercial banks,and commercial bank operations management in response to the impact of the financial impact of the Internet is still very weak,commercial banks have not paid more attention.Therefore,this study is conducive to commercial banks to better understand the impact of Internet finance is conducive to China's commercial banks in the operation and management to make positive response measures to better use the Internet model to develop their own to cope with the development of the times,but also Is conducive to the implementation of regulatory authorities in China regulatory power to prevent the risk of Internet finance,Therefore,it is of great value to study the impact of Internet finance on the operation and management of China's commercial banks.This paper uses the normative analysis method,the literature research method,the comparative analysis method,analyzes the characteristics of the Internet finance with the financial intermediary theory,analyzes the influence of the Internet finance on the commercial banks in China,and puts forward the concrete measures according to the theory of process reengineering.This paper analyzes the concrete influence of Internet finance on the operation and management of commercial banks in China,and draws the conclusion that Internet finance has a positive effect on the improvement of the operation and management of commercial banks in China.At the same time,Business processes,customer service,risk control aspects of the corresponding response measures.