Research Of Bank Financial Product That Under The Wave Of Internet

Financial market development in China so far has been 10 years of history, has experienced small to large, from scratch, from simple to complex process. However, the balance of treasure turned out to financial products market has brought tremendous shock. The Internet and the depth of integration of financial products balances treasure wealth management products through big data, cloud computing, search engines and other Internet advantages, through micro-innovation success in attracting the attention of people, and all the way to expand the scale. Therefore, the analysis of the bank’s strengths and learn from the internet financial products is very necessary.This article from the internet financial products, analyzes the concept, mode of operation, and its SWOT analysis. Then in the third chapter, there is a brief introduction of financial products, including its concept, classification, mode of operation, etc., according to the Internet before doing SWOT analysis of financial products in the last section of Chapter III, on the internet financial products for banks impact analyzes, that its impact on the bank’s major impact on philosophy, erosion, promote market-oriented interest rate deposit base, the impact of financial market regulation, for innovative financial products to promote. Then in the fourth chapter of this article the impact of the Internet on how to deal with financial products banks suggestions One philosophy change, the implementation of service innovation. Change bank lofty status in people’s minds, truly "inclusive financial system." The second is to promote the interest rate market-oriented reforms. This is an important influence on the bank’s Internet banking, Internet banking can be said to promote the development of market-oriented interest rate reform. And currently, the interest rate market is already obvious, and in 2015 the two sessions, Li Keqiang made the government work report, there has been interest rates will promote market-oriented reform in 2015 as the focus of the work. Third is to promote innovative financial products. In the Internet era, the only innovation to be invincible. Fourth, banks should be integrated into the tide of Internet financial development. Although the internet financial products financial products caused some impact, but the Internet is an important direction of development of financial products, banks should strengthen the construction of the Internet channel, to be in force in the field of mobile payments, and to build their own eco-financial circles. Fifth, we must strengthen financial products sales and operations in the process of consumer protection measures. From the bank in financial product sales in the obligation to eliminate unreasonable terms of financial agreements and the strengthening of financial products discussed three aspects of the legal system.