The rise of the Internet is coincided with a critical period of financial reform in China's financial industry, which are the inevitable result of the financial system and the development of Internet technology. Internet banking is not only a useful complement to traditional finance; it will promote China's financial efficiency, the profound changes in the structure and financial structure of the transaction. Internet banking for existing commercial banks has brought new challenges

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... ation" "Pan financialization" and "all intelligent", commercial banks need to develop innovative services, channel innovation and service model innovation platform to address Internet banking the impact and challenges.