ABA Studay On The Strategy Of China Construction Bank’s Internet Financial Development

In recent years, The rapid development of Internet banking caused unprecedented pressure to the traditional banking.As an example of the Construction Bank, take the literature research, induction and deduction as well as the combination of case studies, from the analysis of the Chinese Internet financial status and development trend of Internet, analyzed the financial development of China Construction Bank problems, the macro environment, the micro environment,the bank’s external opportunities,threats, internal strengths and weaknesses.Finally, set out the overall strategy of CCB’s Internet financial development and implementation of safeguard measures. Through this study, we hope to not only be able to put forward new ideas for the construction of Internet banking and financial development, but also provide the reference and Enlightenment of reference for other enterprises in the industry.This paper is divided into seven chapters.The first chapter is the introduction, mainly elaborated the research background, research meaning and purpose, literature review, research methods and the innovation and shortcomings of this paper.The second chapter mainly elaborates the present situation and the trend of Chinese Internet financial development.The third chapter introduces the current situation of Construction Bank Internet financial development and the existing problems:First, the lack of professional and technical personnel; second, the data collection ability needs to improve; third, the lack of strong technical support; fourth, the cultural conflict may exist. The fourth chapter analysed external environment of the Construction Bank of Internet financial development, the analysis of the external environment including the Construction Bank in the political and legal environment, economic environment and social cultural environmentl.The fifth chapter nalysed external environment of the Construction Bank of Internet financial development.The fifth chapter through the analysis of the SWOT set out the overall strategic development:first, implement the strategy of product differentiation. Construction Bank should seize the market opportunities, increase market share, make full use of the company brand, customer resources, and other advantages, expand the market share, the existing electronic banking business bigger and stronger; the use of the Internet financial development early time, implementation of differentiated products, use of physical channel advantages, promote the transformation of outlets, to win customers; the risk control ability should be strong, the development of security market. Second, the implementation of market expansion strategy. Strive to do their own main business, and actively develop new business projects, more use of their own advantages, to develop new markets. To convert the product and business model, in addition to the electronic bank and electronic business, and actively involved in the Internet financial management products, network financing mode. Third, to avoid risks, to establish a strategic alliance or technical alliance. Maintain existing customers, in order to ensure the basic service is not affected by circumstances, try to shrink the scope of business, to make new plans to wait for the market environment and their own conditions are ripe. On the one hand to strengthen the management of human resources, in addition, take measures to limit the industry and industry competition need, at the same time, the introduction of technical personnel of Internet finance, and other enterprises to increase cooperation, building strategic alliance, the development of new technology. Adjustment of electronic bank strategic positioning, complemented with physical channel, to achieve line under the coordinated development, build a financial platform to build the core of ecological behavior. The sixth chapter describes the implementation of the strategy of guarantee measures:first, the implementation of the bank network financial departments, independent of the Internet financial strategy; second, to strengthen the system security, the introduction of innovative gene to promote, the commercial banks have some breakthrough in customer service; third, establish performance evaluation and incentive mechanism suitable. The seventh chapter is the conclusion and prospect.