A Research On Business Transformation From The Traditional Bank To The Transactional Bank In The Context Of Internet Finance

At macro level,currently the economy of China steps into the transition period.The development speed of substantial economy slows down,and commercial banks couldn't rely on the past mode of earning money by the size of economy.At the same time,as recently the finance technology grows fast and the habit of the user changes,internet finance develops rapidly.According to the macro environment analysis,we could draw the conclusion that traditional commercial banks need business transformation to meet the challenges in the new situation.Analyze the transactional bank's business model,and summarize the practical significance of the business transformation to the transactional bank for commercial banks.According to the analysis of the financial indicators of CIB and the requirement to build the comprehensive financial service system,transaction banking business is in line with its transformation object.So the CIB should integrate into the internet business ecology,and build transactional bank.Moreover,discuss how to build the comprehensive financial service system according to the four elements of the traffic,scene,data and process using the thought of platform strategy,and research the strategy to carry it out.Finally,summarize the potential value of the business transformation to transactional bank,and put forward the research contents which could be carried out in the next step.