Based On Internet Financial Perspective Of Commercial Bank Financial Innovation Research

With the global development of Internet technology,cloud computing,social networking,big data,third-party payment,e-commerce as the representative of Internet financial model in China has been developed rapidly.Internet banking has brought new vitality to the traditional financial landscape.The Internet financial not only reflect the Internet "freedom,fairness,cooperation,sharing" spirit,also has the substantial of financial.By using the Internet to gather user and rapid transmission of information,giving the user a fast,convenient investment and financing services.Based on the above research background,This paper focuses on the current problems of commercial bank finance innovation development survey and innovation process.Empirical Analysis of the characteristics of China's commercial bank finance innovation capability and areas for improvement.The main contents of this paper for five chapters:Chapter two shows the status of financial innovation of Chinese commercial banks currently,analysing the current problems of commercial bank finance innovation;Chapter three through qualitative and quantitative way to study the impact of the financial mechanism of the Internet for commercial bank finance innovation and combine with the development of relevant data to analyze the specific impact;Chapter four establishment of commercial bank finance innovation capability evaluation model by way of empirical research,with 4 level indicators,11 secondary indicators to innovation capability of 16 listed commercial banks scoring and innovation ability of commercial banks to rank;Chapter five and Chapter six of mode analysis and policy advice.Through the empirical results of analysis to targeted financial model of development of innovative design and development programs of commercial banks.The innovations lie in:(1)Targeted analysis of commercial bank finance innovation problems,providing the basis for the establishment of commercial bank finance innovation ability evaluation index;(2)Existing academic research only stay in the theoretical and empirical level,and not the characteristics of the Internet combined with new financial era.Using qualitative and quantitative method to study the effect effects of the financial mechanism of the Internet for commercial bank finance innovation...