The Present Impact Of The Internet Financial Industry On Commercial Banking And Cuntermeasures

In recent years,the Internet financial industry has developed vigorously,and a large number of excellent Internet financial companies have emerged.They have achieved financial services on the Internet relying on big data technology and achieved great success.All kinds of business monopolized by commercial banks have been impacted to varying degrees.Therefore,it is of great practical significance and research value to discuss the impact of Internet Finance on various business sectors of commercial banks and how commercial banks should deal with it.This paper adopts the methods of literature research,investigation and comparative analysis.This paper focuses on the impact of Internet Finance on commercial banks,mainly in three aspects: in asset business,it has a certain impact on the scale of loans and income of commercial banks,but the impact is small;in debt business,the impact is enormous,mainly reflected in the decline in the proportion of low-cost general deposits and the rising of high-cost interbank deposits,even overall.The scale still tends to grow,and the profit situation of commercial banks also shows a downward trend because of the rapid increase of the cost of debt business.In the intermediary business,bank card business,financial management business and settlement business are the three sectors most affected by the Internet financial impact.This paper analyses the reasons for the formation of this competition pattern and their respective customer groups,compares the three types of business of Internet finance and commercial banks,completes SWOT analysis,and puts forward suggestions for the future development of commercial banks on the basis of the analysis.The conclusion of this paper is that the three major businesses of commercial banks have been affected to varying degrees.In response,we must focus on "emphasizing science and technology,emphasizing nets,emphasizing assets over capital",and adopt different strategies to enhance their management ability and risk resistance.The Internet of commercial banks is the general trend.