| In recent years the rapid rise of the Internet technology in our country,promote the development of many industries,drive in the country’s economy in the new stage,during the two sessions in 2015,prime minister li,first proposed the concept of "Internet+" many Internet companies will also look to strategic development of domestic financial market.In June 2013,the first Internet wealth management product in China,yu ’ebao,created a new market for financial management.Yu’ebao is provided with technical support by alibaba,and tianhong fund company provides financial operation assistance.The two sides work together to establish a solid strategic alliance.Balance of treasure of the traditional window caused a certain impact,the commercial Banks with high yield,low threshold characteristics such as the balance of the treasure to get the favour of broad consumer,quickly occupy market share.After balance treasure a huge success,many Internet companies in China to follow suit,try to financial markets,each big electric business platform and fund company teamed up to launch a series of Internet financial products,to form the "Internet company+ fund+mobile terminal" new financial managemen t mode of operation,are favored by consumers,for the domestic Internet products have sprung up successively.The emergence of the Internet financial product does to a certain extent,resulting in the loss of bank fi nancing customer or finan cial clients’ money,however,the emergence of the Internet financial product in the traditional commercial bank financing business impact,also to the transformation of commercial Banks and for businesses to fo ster potential financial clients plays an important role.Through the Internet banking of our country and current situation of the development of the commercial bank financial management,the Internet banking is likely to further analyzed the influence of commercial bank financing business,with the balance of monthly data and monthly data of the amount of commercial Banks survival,VAR analysis confirmed that the development of the Internet financial management of commercial bank financing business in early has a negative impact,such as taking the commercial bank financing business of high quality customer resources,but would help to business model innovation,commercial Banks to launch new products as soon as possible to chase the pace of market development,and in the later present weak positive role in promoting.At the end of the article,in order to make the commercial bank fin ancing business can get better development,catch the opportunity of Internet+,combined with the current development of China’s financial market environment,and the operations of commercial Banks,puts forward some Suggestions on commercial bank financial business transformation,as soon as possible in order to help the commercial Banks in the heat of the wave of the Internet financial steady. |
