Influence Of Internet Finance On Electronic Banking And Countermeasure Research

Internet finance is the product of the development of Internet technology.The emergence of these financial models has had a great impact on the management concept and traditional mode of China's commercial Banks.However,commercial Banks are also adapting to the development of The Times,and building the e-banking business into the mainstream core business channel.How to take advantage of the opportunities brought by Internet finance to make product innovation and service innovation for e-banking business is of great significance to improve the core competitiveness of commercial Banks.Under such background,this paper is based on previous research experience.Taking the specific China Construction Bank electronic bank as an example,combining with the experience and actual situation of the construction bank,this paper mainly analyzes the influence of the Internet financing platform,third-party payment and non-bank P2 P lending on the electronic bank.Through the analysis,this paper thinks that the influence of Internet finance on electronic banking mainly includes the following aspects: first,the emergence of online financial products diverts part of the demand deposits of Banks,but also promotes the diversified development of e-banking functions and improves the competition.Second,third-party payment continues to occupy the high ground of the market,CCB's similar payment product innovation lags behind,but at the same time,the rapid development of third-party payment also forces banks to innovate and develop.Third,non-bank P2 P lending platforms are complementary to traditional loans of Banks,and they also cater to young people's pursuit of convenient and efficient trend.And both can make progress together.Combined with the influence of Internet finance on electronic banking,comprehensively analyzes the internal and external environment of the development of CCB electronic bank,and puts forward feasible implementation strategies based on its own work experience.Including: first,to change the concept of the traditional "two-eight" to the idea of a financial philosophy;Second,to develop innovative products for different customers;Thirdly,change the current employee's electronic banking appraisal mechanism and marketing concept;Fourth,seek cooperation and progress with Internet enterprises and neighboring businesses and agencies.Fifth,according to the customer usage,perfect the electronic platform and products;Sixth,intensify the training of technical personnel and train the whole staff to innovate consciousness and improve competitiveness.It is expect that the development of banking electronic banking will be inspire and reference through a case analysis of the CCB.