Research-on-the-Development-Path-of-Commercial-Banks-under-the-Influence-of-Internet-Finance-Taking.pdf
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1、 Research on the Development Path of Commercial Banks under the Influence of Internet Finance: Taking P2P Finance as the Example Xin Yu1 1Xian International University, Xian 710077,China Abstract. In this paper, we conduct research on the development path of commercial banks under the influence of I
2、nternet finance. With Chinas accession to the world trade organization and the rapid development of domestic e-commerce, Internet finance faces the great challenge of international. With the current commercial banks to carry out the business has obvious overlap, there is a certain substitution effec
3、t. There are no doubt commercial banks how to deal with the challenge of Internet finance is a major issue. Our research provides the suggestions of advancement for the traditional commercial banks to enhance their ability of making profits which will be meaningful. Keywords: Commercial Banks; Inter
4、net Finance; P2P Financial; Reform and Update. Introduction Internet financial innovation on the traditional financial pattern, to a large extent make up for the defects of traditional financial industry, bring great convenience to customers, tremendous business opportunities for practitioners as we
5、ll as the present situation of the domestic small and medium-sized enterprise financing difficult bring certain change. With Chinas accession to the world trade organization and the rapid development of domestic e-commerce, Internet finance faces the great challenge of international. Therefore, the
6、accurate analysis of the relationship of Internet finance and traditional finance is the key to keep our country financial industry continued upward. The rapid development of Internet financial has affected the liability business of commercial banks, and has a tendency to make pay the intermediary f
7、unction marginalized, a major threat to intermediary business of commercial bank. For example, Internet financial companies provide pay-and-escrow. Products have been able to provide for the customer payment receipt and payment, transfer the remittance, telephone bill and insurance pay, settlement a
8、nd payment services. With the current commercial banks to carry out the business has obvious overlap, there is a certain substitution effect. There is no doubt that commercial banks how to deal with the challenge of Internet finance is a major issue. Internet financial started relatively late, devel
9、opment of domestic road twists and turns, even if many awards obtained international network bank in China in recent years, but the financial crimes are still common. The development of the Internet financial must possess a complete set of regulatory and the legal system, implement real-name authent
10、ication and establish compatible personal credit system. In general, the Internet financial development model could be separated into the following parts. (1) Enterprise customer data collected through e-commerce credit evaluation, on the basis of large data and historical transaction basis for fina
11、ncing. (2) Through the combination of release and capital demanders of funds, acts as an intermediary role. Intermediary platform mainly has two modes: one is single providing information services, there is no capital absorption and lending situation, from small companies or the rest of the loan gua
12、rantee agencies two-way guarantee, realize a one-to-many characteristics, the second it is International Conference on Informatization in Education, Management and Business (IEMB 2015) 2015. The authors - Published by Atlantis Press833 through the network to contact investors and demanders, adopt th
13、e many-to-many demand patterns, build money lending relationship between individual and individual. (3) Take the customer as the center was established through the Internet network marketing system, the traditional marketing model and network marketing model, to establish Shared financial platform,
14、marketing mode to realize the interactive marketing. (4) Through the Internet to provide the required capital requirements, improve social services and to commercial bank online banking as the carrier network channel role into full play. In related traditional banking law of our country, the deposit
15、 rate upper limit and lower limit has certain limitation, and commercial banking and investment banking business separately, etc. Transferable payment orders account and transfer services, broke no pay interest of current deposit and savings deposits cant check rules, and money market accounts and c
16、ertificates of deposit money market is to break the limitation of the deposit interest rate, our country at present are also gradually relax restrictions on bank interest rates and the emergence of shadow banking, make some instead of a huge increase in bank deposits, loans, interest rate marketizat
17、ion also gradually let go, to a certain extent which promoted the process of interest rate market 1. Along with the appearance of the Internet financial tools, the traditional banking system will be unable to meet the needs of the financial markets to timely adjust. The connotation of Internet finan
18、cial is to use the Internet technology makes everyone has the power and the means of social and economic participation in financial activities, financial services in information symmetry, gradually close to the effectiveness of the financial and democratization. The characteristics of the Internet m
19、akes financial service object to sink and in-depth and make direct financial more convenient, speed up into the financial times which is the promoter of financial reform. Financial is not based on one or some kind of main body of finance, but stressed that the essential difference between them is wh
20、ether have the spirit of the Internet, pay attention to the customer experience which can rely on Internet technology for financial innovation or thought. They are on the way of thinking, management, guidance and customer group, significantly different in such aspects as disintermediation. Internet
21、financial include the Internet, Internet financial refers to commercial banks, securities companies and insurance companies active or passive network marketing using Internet technology and integration of resources. Internet around but the nature of the financial, financial sector could not from the
22、 Internet and their own development and the integration of both is inevitable 2. In this paper, we research on the development path of commercial banks under the influence of Internet finance. Traditional financial institutions themselves in active use of the Internet technology to improve service w
23、hich will strengthen management, and accelerating transformation. The role of the Internet financial is to promote competition and adequately not only meet the diverse financial needs and more are to weaken the disadvantaged reliance on a single financial institution. In the next sub- sections, we w
24、ill discuss the problems in detail. The Principles of Our Research The Basic Features of Internet Finance. Traditionally, the bank is one of the important channels for fund sales. Because many bank branches, its advantage in the consignment fee negotiations, but the balance of products such as treas
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