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1、AbstractAbstractTheInternet,inparticular,searchengine,cloudcomputing,socialnetworkingandmobilepaymentandothermoderninformationtechnologywillbringgreatchangestohumanfinancialmode.Lookingbackoverthepasttenyears,inbooks,music,communication,retailandotherfieldsha
2、sappearedsimilarchange.TherealityinthefieldoffinancialsupplyanddemanddirectlytomakethematchontheInternet,mobilepayment,alipay,YuEBao,P2Ploans,Ali-loanandotherformsoffinancialinnovationservices,triggeredthedisintermediationoffinancialinstitutions,hasbroughtcha
3、llengetothefunctionofcommercialbankpaymentandsettlement,financing,financialmanagementetc..Atthesametime,theInternetfinanceasemergingthings,,itsdevelopmenthassufferedthedispute,therefore,researchonInternetfinancialmode,Tofindouttheinfluencemechanismtothebusine
4、ssofcommercialbank,isbeneficialtotheentirefinancialindustryscientificandorderlydevelopment.ThispaperstudiedtheInternetfinancemodeanditsimpactoncommercialbanks.ThroughtheliteraturereviewtoclarifytheconceptofInternetfinance,andtheInternetFinancialformatintoclas
5、sforInternetpaymentandsettlement,financingandfinancialproductssalesnetworkinthreecategories.Onthisbasis,focusontheanalysisofbusinessmodeofAliFinance,expoundsthemechanismofinfluenceofInternetfinancebusinessofcommercialbanks.Usingscenarioanalysismethod,eventana
6、lysismethod,finally,accordingtotheanalysisanddemonstrationabove,forthecommercialbankstodealwiththeInternetfinancechallengesandputsforwardsuggestions.TheInternetfinanceofcommercialbankpaymentandsettlementbusiness,loanbusiness,theempiricalresultsshowthat,Intern
7、etpaymentandsettlementbusinesstoreduce4.7%ofnetprofitofcommercialbanks,throughthestructureadjustment,andgraduallyrealizetheelectronicbusiness,toreducetheimpactofInternetpaymentandsettlementbusiness;financingbusiness,hasgreatadvantageincomparedtheloanIAbstract
8、modeandtraditionalmortgagefinancingmode,insavingtaxcost,obtainthefundreturnsandstablecashflow,buthigherthanbankmortgagemodeinfinancingcosts,Internetfinanceissupplementarytothemanagementof
