The Internet finance mode coexisting with commercial banks is as follows

Is there an internet financial model related to commercial banks? Joint mode, complementary mode and cooperative mode.

1, joint mode: traditional banks use superior resources to cooperate with internet finance companies, use internet technology to enjoy products and improve services, support traditional banking business with technology, and use the technical support of internet finance companies to achieve in-depth expansion of financial services.

2. Complementary mode: Commercial banks use the technical support of Internet finance companies to achieve fast and low-cost financial services. Internet finance companies use the resources of commercial banks to realize the rapid expansion of financial business. Both of them complement each other effectively in technology and service, thus improving the quality of customer financial services and reducing the cost of customer financial services.

3. Cooperation mode: Commercial banks use Internet technology to develop financial products, and Internet finance companies cooperate with commercial banks to realize the safety of funds and the in-depth expansion of services by using the professional management and risk control capabilities of commercial banks.

Internet finance model: Through in-depth analysis of the corresponding business models and business phenomena in the industry, Internet finance can be divided into six models: third-party payment, P2P online lending, big data finance, crowdfunding, information-based financial institutions, and Internet finance portals.