Internet Financial Research On The Effects Of Commercial Banks And The Coping Strategies

In recent years,the development of the domestic Internet industry is in full swing,The level of development of Chinese Internet e-commerce platform is one of the highest in the world.The development of the Internet finance industry has achieved remarkable results,precisely because of the rapid development of Internet finance.Its scale has shown an order of magnitude growth year after year,which has caused no small impact on the financial services of domestic commercial banks.The rapid development of Internet finance has strongly stimulated the domestic financial market.The reform of the traditional financial industry represented by commercial banks to the market has been imminent.If commercial banks are still old-fashioned,Still adhere to the original profit model and management logic,then one day,Internet finance will replace commercial banks and force them to make changes.Commercial banks should clearly understand the current market situation,analyze the market conditions,grasp the market demand,and create a new image that dares to innovate,upgrade services,actively explore the market,seize market share,and “fight hardship”with Internet finance companies.This article is based on the rapid development of internet finance in recent years.Through six chapters,the paper discusses the influence of internet finance on commercial banks and the counter measures of commercial banks.The first chapter introduces the background and the significance of the paper,comment on the views of domestic and foreign scholars in this field,and get your own thoughts from the opinions of many scholars,at the end of the first chapter,the research contents,methods,difficulties and innovations of this article are listed.The second chapter introduces in detail the concept and characteristics of Internet finance,the development model of Internet finance and related theoretical foundations.The third chapter starts from the three basic points of the commercial bank's business philosophy,business model,and traditional business of commercial banks,analysis the specific influence of internetfinance and the causes of these impacts;Chapter IV uses SWOT matrix analysis to analyze the internal environment of commercial banks and the external environment of the financial industry.It specifically analyzes commercial banks in terms of advantages(S),disadvantages(W),opportunities(O),challenges(T).Chapter V proposes that commercial banks should focus on customers and improve customer experience;Build a service system based on big data technology and an independent internet finance department and other strategies.The sixth chapter is the conclusion.