Analysis Of China’s Minsheng Bank Direct Banking

Late in 1980s, direct bank in Europe and other developed regions, channels of direct banking of the birth of the most important services is the telephone. And now the development of Internet technology, the self-service system become more and more popular, and make banks more streamlined, operational costs continue to decline. Under the major trend of the Internet in financial, direct banks to develop more rapidly, more and more to look forward to in the future. In China’s economic restructuring, constant advance of interest rate marketization and so on under multiple pressures, Chinese banks, as well as profound changes have taken place, the traditional business model has encountered strong challenges. At this point, direct banking, a new operating mode attention by domestic banks. In China, the layout of two Bank Beijing, people’s livelihood first direct bank, a move that will have far-reaching impact on domestic banking.This papers select has research domestic has made relative success of "pioneer type" direct bank-livelihood direct bank of development status, through study livelihood Bank direct bank business of operation mode, and products type, and service channel, and risk control and innovation initiatives,, on livelihood Bank of direct bank business for has compared thorough of Anatomy, to respectively from within, and external on livelihood Bank direct bank business of advantage and disadvantage, and faced of opportunities and challenge for has detailed analysis, last combined domestic, and other direct banking experience as well as the characteristics of the Minsheng Bank direct banking, Bank direct banking on people’s livelihood in the future given the development of the search for and development of resources to support, implement and further differentiation strategy, improve the risk management of these three is more feasible and useful strategy.Summary this thesis through examples direct banking experience and enlightenment of the development of, analysis of direct banks facing problems as Minsheng Bank and other direct banking development path for reference.