Development Of Direct Banks In China

In March 2015, the "Internet plus" concept first appeared in the government work report, it is the Internet Financial inclusion inclusive financial channels. "Internet plus finance" has become the new situation, combined with the development of the Internet and finance new formats.As China’s economic development has entered a new era of transformation, the new pattern and economic development environment to the bank brought new challenges and opportunities, let the bank with change management thinking, business model and marketing model of it. In the era of economic restructuring, economic growth slowed, the city firms face pressure on credit growth, risk, asset quality and other needs, the bank’s business model to optimize and change. And in economic transition, innovative services and business accounted for than rising also brings new potential customers, new customer groups have new business requirements, banks need to the progress of financial products innovation, financial service innovation, and financial innovation to face the new customer groups. These new customer groups and emerging businesses also encourage banks to seek new mode of transformation and upgrading, and the rapid development of direct bank with high operation efficiency, low transaction costs, payment is convenient, wide audience and other characteristics, has become an effective means of transformation and upgrading of the bank. Direct bank has the following advantages: one is in the context of the Internet, through Internet technology to achieve financial services to consumer outlets, payment facilitation, business mode, and then effectively improve banking efficiency, deepen the organization management mode, improve the banking business model; the two is to optimize and improve the operation process of the use of the Internet thinking the banking business, and finally achieve the business process optimization of banks, improve the management efficiency and the core competitiveness of the banks; three is the direct bank as the effective way and method to enrich the financial service channels, innovative financial products and service mode, the development of Inclusive Finance, using the thinking of the combination of online and offline to explore new service mode, breakthrough the traditional financial thinking, create a new direct banking experience.Between direct banking and traditional banking relationship is interdependent and promotes each other, complementary advantages but cannot replace each other, direct bank is the bank’s extension system and bank change the organizational structure, and expand the new business model and Internet financial product innovation impetus. In this environment, the bank should absorb the thinking of the Internet, with the Internet financial guidance provided to customers, the Internet financial investment and financing, online payment and other emerging Internet business; customer groups and the small and medium-sized enterprise Internet financial transactions platform by the user as the center, and the traditional enterprise supply chain, logistics, electronic business platform, the third party Internet financial cooperation platform, big data integration of internal and external information, so that the bank to change the Internet, electronic data and intelligent mode; to complete the transformation of bank model innovation of business processes, lightweight, user of the bank service quality, and ultimately achieve the integration of bank customer structure, business process, the channels of business, organizational structure, management, human resources, capital etc.