Research On The Joint-stock Commercial Bank Business Mode Under The Background Of Internet Finance

The rapid development of Internet technology has led to the rapid development of e-commerce.consumer market is shifting from the traditional market to the network market,but as a support system of the market economy,the financial system from the above operating entity service based continuous superposition of all kinds of financial services,including Internet payment,remittance,cash management,Internet banking and all kinds of financial products,sell all kinds of small and micro loans and other traditional banking business.In the deepening of the process of development,some Internet companies gradually shift to professional Internet financial enterprises,which means that the financial industry and the Internet industry appeared obvious overlap,the impact on the traditional banking sector has begun to show.Joint-stock commercial banks have great challenges under the impact of internet finance,the Internet financial shock,faces enormous challenges,one is from the state-owned commercial banks in terms of scale extrusion,the second is from the Internet financial enterprises in the business structure of the challenge.The dilemma and choice faced to a certain extent determine the future development and industry status of joint-stock commercial banks in the future.Joint-stock commercial bank of the existing business model has been unable to meet the current development trend of the industry,and the success of the transition to become the key to survival and development,once the transition is successful will be beyond the corner overtaking of state-owned commercial banks,once the failure will be the transformation of the Internet Financial Enterprises to suppress development.This article expounds the impact and impact on the traditional banking industry by analyzing the causes and directions of the financial background and development of the Internet.at the same time comparing with the traditional banking impact and then to joint-stock banks,the traditional business model is studied,and analyzes the advantages and disadvantages of the current situation of joint-stock banks in traditional mode.To explore the effective ways and methods of business model transformation and upgrading.Through the analysis of the case of China Merchants Bank,this paper analyzes in detail the mode and direction of the transformation and upgrading of joint-stock commercial banks under the background of the Internet,finds a breakthrough point for the entire industry and builds a new bank ecosystem.Due to the current Internet finance is still in its infancy,the comparison of the data and information is not sufficient and complete,and my level is limited,in this paper the relevant theoretical basis and analysis methods are still inadequate,the formation of surviving questionable conclusion,hoping to get criticism.The purpose of this paper is to provide a reference for the development of joint-stock commercial banks in China through the contrast of tradition and innovation,and to improve the comprehensive strength to adapt to the new environment and achieve new breakthroughs.