Research On The Impact Of Internet Finance On Commercial Banks And Countermeasures

Along with the development of The Times and the progress of science and technology,today's society with personal computers,smart phones and tablets as a representative of all kinds of mobile terminal equipment has reached the extent of the very popular,mobile network coverage and rate is also greatly improved,at the same time,represented by cloud computing and big data technology also got rapid development of Internet technology,these are for the rise of the Internet financial enterprises and development provides a good soil environment.Experience short 10 years of development,the Internet financial shows a tendency of diversification development in recent years,some new models constantly emerging,such as third-party payment mode,P2 P network model and Internet bank,the financial sector has resulted in a new era,financial markets appeared the new pattern.In the past decades,commercial banks always take the lead in the financial field with their strong funds,sound management mode,excellent service and good reputation.With the rapid development of Internet finance,various kinds of new financial products have appeared one after another,which has seriously affected the traditional businesses such as payment and settlement,capital lending,investment and financing,agency services and so on.Under the tide of Internet finance,commercial banks have launched online banking,mobile banking and other businesses.Although some achievements have been achieved,the overall impact is not satisfactory.Faced with the strong attack of Internet finance,the rapid reduction of market share and the massive loss of customer resources,the era of commercial banks' "thriving" is gone forever.In the future,with the development of Internet finance,there will be more fierce competition with commercial banks,and even change the operation mode and operation pattern of banking industry.At the same time,we should also see the emergence of the Internet Banking for commercial banks,not only brought a huge impact,but also brings infinite opportunities,if commercial banks can grasp the opportunity,to keep pace with the times,combined with their own advantages and characteristics,financial innovation and bank restructuring actively,which will bring the commercial banks more customer resources,profit income.If a commercial bank wants to win in this game,it must keep a clear head.Based on the current situation,we should focus on the future,fight back,foster strengths and circumvent weaknesses,and actively promote the strategic transformationand development of commercial banks,looking for new directions and new outlets for their future development.Starting from the connotation and characteristics of Internet finance,this paper introduces the three development modes of Internet finance,and selects the ant's golden suit as a typical case of Internet finance to specify the current development trend of Internet finance.Then from the analysis of the business of commercial banks and competition mode angle to the financial impact of the Internet on the commercial banks,so as to get more and more serious with the financial disintermediation,commercial banks to cope with the challenge of Internet banking have launched their own Internet banking platform,through an overview of Internet financial platform on the development of several domestic commercial banks,and focus on the Internet financial platform of Jiangxi Rural Commercial Bank analysis,find out the existing problems.Finally,from the increased publicity,cultivating compound talents;strengthen the sense of innovation,improve innovation ability;optimize business processes,improve customer experience;strengthen risk control;put forward the improvement measures in Jiangxi Rural Commercial Bank Internet banking platform five aspects to strengthen cross-border alliances and cooperation.This article is divided into six parts:The first chapter,the introduction.This paper mainly introduces the research background,research significance,literature review,research ideas and methods,and gives a description of the basic framework of the paper.The second chapter,the overview of Internet finance.This paper mainly introduces the connotation and characteristics of Internet Finance and its development mode,and selects the ant's golden suit as a typical case of Internet finance to illustrate the whole trend of Internet financial development.The third chapter,the impact of Internet Finance on commercial banks.This part of the commercial banking business and competition mode of the financial impact of the Internet on the commercial banks,which describes the financial impact of the Internet on the liability business,asset business of commercial bank,intermediary business,financial status,business model and financial supervision.The fourth chapter is the case analysis of the Internet financial platform of Jiangxi Rural Commercial Bank.First,it summarizes the development of Internet financial platform of several commercial banks in China.Then it introduces the Internet banking platform of Jiangxi Rural Commercial Bank,analyzes its existing problems,andanalyzes the advantages and disadvantages of Jiangxi Rural Commercial Bank's development of Internet financial platform.The fifth chapter,the analysis of the improvement measures of the Internet financial platform of Jiangxi Rural Commercial Bank.From the increased publicity,cultivating compound talents;strengthen the sense of innovation,improve innovation ability;optimize business processes,improve customer experience;strengthen risk control;strengthen cross-border alliances and cooperation in five areas of Jiangxi Rural Commercial Bank Internet banking platform to put forward a series of improvement measures.The sixth chapter,the conclusion.Draw the conclusion of the study.