Research On The Development Of Commercial Banks Under The Background Of Internet Finance

With the continuous deepening of digitization and informatization,the technological progress reflected in the bank is mainly reflected in the two-dimensional code payment,mobile terminal application,bank APP development and data cloud analysis,which promote the reform and development of the bank,and promote the traditional banks in response.Actively change the Internet technology,strengthen its own network application technology,and increase the promotion and development of new technologies.Internet finance is a new type of financial format,which is essentially different from physical banks.The competition of finance has made traditional commercial banks greatly affected.In the new technology and informatization and digital application,it is of practical significance to study how the rural commercial banks realize the progress and development of the network era.This article explains what Internet finance is,what kind of innovation it brings to researchers,and then describes how it works and how it is structured,from payment functions,financial functions,and online lending functions,combining assets and liabilities,business models and From the perspective of bank income,this paper explores the impact of Internet finance on physical banks.Based on the example of rural commercial banks,this paper has carried out empirical research and obtained relevant countermeasures.