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A Study on the Traditional Commercial Banks’ Responding Strategies against the Impact of the Internet Finance——Based on SWOT Analysis Method
Pages: 41-45+51
Year: Issue:  1
Journal: Xi'an Finance

Keyword:  internet financeSWOT analysis;
Abstract: In recent years, with the vigorous development of the electronic commerce in China, internet enterprises have accumulated vast amounts of user data, gradually mastered the needs and preferences of users’ financial service,and provided their financial services from the original simple payment to the traditional business fields of commercial banks such as transfer remittance, micro credit, cash management, asset management, supply chain finance, consigned funds and insurance products etc., which subverts the competition environment of the traditional commercial banks and has a huge impact on them. Using SWOT analysis method, the paper analyzes the competition and main opportunities and challenges faced by the traditional commercial banks in the era of the internet finance, and provides the strategic choices for the traditional commercial banks to cope with the impact of the internet finance.
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