Research on the Development Strategy of Commercial
Banks Under the Background of Internet Financial
Abstract: In recent years, with the popularization of network technology and mobile
communication technology, the Internet financial emerging in our country, and for its
convenience, high efficiency and low cost gradually widely endorsed. The rapid development
of Internet financial for people bring convenient, also caused a huge impact on commercial
Banks. Increasing competition in the Internet finance and commercial bank, commercial
Banks to keep pace, reform and development mode, strengthen the development and
popularization of the Internet financial products, trying to stay in business innovation with
characteristic products. This article is based on the perspective of commercial Banks, the
paper studies development strategy under the background of the Internet financial. First of all,
from the way of financial, institutional, scale, user four aspects to introduce the Internet
financial development present situation and development trend, then, analyzed the influence
of the Internet financial of commercial Banks, mainly from the intermediary role, business,
customer source, profit model, business model is introduced, finally, combined with the
advantages of commercial bank development strategy is put forward, mainly to build
exclusive Internet financial products, increase investment in science and technology, improve
the risk control ability, strengthen the cooperation with Internet financial companies,etc.
Keywords: Internet financial; commercial bank; development strategy
