Countermeasures Exploration of State-owned Commercial Banks in the Context of Internet Financial Model

Abstract

In recent years, with the development of e-commerce, Internet financial model continuously develops and flourishes, especially the "financial online"， this pattern develops rapidly. The rapid development of this kind of financial model brought a huge challenge to the traditional banking sector, this challenge greatly influence on state-owned commercial banks. This paper first describes the development of the Internet financial status and third-party payment, such as Internet banking and Internet banking sales of the main characteristics and how to operate. Then by using the SWOT method to analyze the state-owned commercial banks facing in the Internet financial mode of strengths, weaknesses, opportunities and challenges. Finally from enlarging advantages, avoiding disadvantages and traditional bank financial models and new financial aspects put forward the mutual fusion of commercial banks in the context of the Internet financial strategies and prospects for development.