The Research On The Existing Problems And Development Countermeasures Of China's Commercial Banks Under The Background Of Internet Finance

Since twenty-first Century,with the global economic integration and the deepening of financial globalization accelerating,the financial industry is faced with reform and innovation.At the same time a dramatic impact on the domestic financial market and the challenge from foreign banks,the survival and development of the domestic banking industry has been hitherto unknown because of these above factors.As we all know,2013 was the first year of Internet finance,because Internet finance made great progress in this year,and its influence penetrated into all aspects of the financial industry.Commercial banks are the core of China banking industry,which impact is very huge.The operating profit model of traditional commercial banks has not met the present situation.Development of commercial banks is facing a field dominated by technology and market change,this change will has a larger influence one the traditional business of the commercial bank.Therefore,if commercial banks want to survive in this rapid changing financial globalization,it is essential for them to adapt to market demand and carry out reforms.Therefore,the current urgent need for China commercial banks to do is to reform and innovate their traditional business.The article is based on the rapid development of internet banking,combined with the analysis of relevant research findings of domestic scholars,mainly from the following aspects of the main problems in the context of internet banking of commercial banks in China,and puts forward relevant countermeasures and suggestions on these problems.The first part is the introduction,mainly introducing the research background and significance,relevant research literature review,research content and technology roadmap,and research methods;the second part mainly defines the Internet financial theory and concept;the third part makes a detailed introduction and analysis on the characteristics of internet banking,and mainly introduces the development of internet banking model and the current development situation;the fourth part,the current situation of the development of commercialbanks in Liaoning province is analyzed.To understand the current status and characteristics of commercial bank development in Liaoning province through correlation analysis;the fifth part of the internet financial analysis of Liaoning commercial bank,mainly focuses on the analysis of SWOT commercial bank in Liaoning province to deal with internet banking,commercial banks understand the strengthsweaknesses opportunities and threats.And from the three functions of the payment,management function and operation function,the financial impact of the internet on the function of commercial banks in Liaoning province were analyzed;the sixth part focuses on the United States,France,Germany,the Internet financial model,and summarizes some experience;the seventh part mainly puts forward some feasible countermeasures and suggestions on development dilemma in the context of internet banking of commercial banks in Liaoning province.