Research On The Development Of Online Financing Business Of My Country's Commercial Bank

Along with the electronic commerce and the development of Internet technology,Internet financial this new model also got rapid development.As an important part of the Internet finance,The Internet online finance,because it can effectively ease the financing system of small and medium-sized enterprise financing difficult problem and rich society,and so on has become the current hot spots of theory and practice.As Banks and other financial institutions from the impact of the financial,Internet as online business of Internet financial mainstream finance business is further eroded the profit space of the commercial Banks,and the future will be more strong,and the competition between commercial Banks will be more intense,and even the current operation pattern in the commercial bank and business model have great influence,At present,so it is necessary to analyze the development of the Internet online finance,the banking industry as an important part of social financial system,should be how to deal with this situation,how to seize the opportunity of the age of the Internet to realize the transformation of the traditional commercial bank development,and whether it is from the perspective of theory and practice,has very important significance.In this paper,we choose the influence of the Internet online finance of commercial Banks and the countermeasures of commercial Banks as the research subject.On the Internet online financing business on the basis of the basic features,development status,focusing on the analysis of traditional bank faces the challenge and opportunity,and on the Internet online finance and comparing the advantages and disadvantages of the traditional commercial bank financing,Exploration under the background of the environment,the commercial Banks to deal with concrete countermeasures with the impact of the Internet online financing,and Suggestions are put forward.The article structure is mainly composed of five parts.This paper first introduces the research methods and related theories,and carding the research background.Then entered the stage of the body.First introduces the related concepts of Internet online financing,including the definition of the concept,main characteristics,basic mode and the development at home and abroad,and so on.Through the comparative analysis research on the Internet online finance and comparing the advantages and disadvantages in the traditional bank financing,on the Internet online finance business and more thorough understanding of the nature;Second,the Internet online financing to shed light on the challenges and opportunities brought by commercial Banks,the dialectical analysis of the impact on commercial Banks;Then,based on the analysis of the impact of specific analysis of the countermeasures of commercial Banks,and Suggestions are put forward.The article finally puts forward outlook on the future development of commercial Banks.