Research On The Development Strategy Of A Bank Individual Loans Business In The Internet Financial Times

With cloud computing, networking, big data, mobile payment presents a newgeneration of information technology, the Internet banking plays an increasingly importantrole in people’s daily life comparing to commercial banks and traditional financialservices,which has brought opportunities and challenge. Therefore, it is very significant forcommercial banks to established their competitive advantage by studying of the businessenvironment and internal conditions and the effective loan business development strategy.This paper research a state-owned commercial bank A,which is based on individualloan financing (referred to as " individual loan ") under the background of the rapiddevelopment of the Internet financing business. First, the paper describes the content ofInternet banking, the prominent features, such as predicting trends, analyzing the impact ofsociety, the impact of commercial bank management, as well as the next trend in judgments.Secondly, it is analyze the macroeconomic environment A bank loan business facing theindustry by using PEST model and Porter’s five forces model,such as the externalcompetitive environment, the use of SWOT model to analyze the internal A bank loanbusiness environment, which has advantages and disadvantages, as well as theopportunities and challenges facing the development. Third, the analysis of the A bank inthe Internet era, the loan should adopt a proactive business development strategy, give fullplay to the leading edge of its own, internal and external use of all opportunities tomaximize compensate for their weaknesses and try to avoid external threats, thus a bankloan business to achieve a healthy, high-quality, orderly and coordinated development.Finally, the paper describes the next A bank loan business strategy formulation andimplementation in the Internet era, specifically including the five aspects of human resourcestrategy, business transformation strategy, marketing strategy, risk management strategiesand information development strategy.With fast development of Internet bank, commercial bank was not really bothered technology, but thinking and mentality. As a state-owned commercial banks, A bank shouldbe from closed to an open and from passive to active by developing network finance.Finally,it can develop the real products, services, user needs and experience,which can combine torealized business structure, making Internet technology and thinking big data play a key rolein the bank.