A Study Of WEN JIAN AN XIN Series Financial Product At Beijing Rural Commercial Bank In The Internet Business Model

Internet financial products with its high efficiency, low cost, to provide for the general public and small businesses better financial management and financing services, Making between traditional business and emerging platforms to achieve the initial fit, and financial products for financial institutions caused unprecedented shock. In this context, the next on Internet financial background sound reassuring Beijing Rural Commercial Bank financial product development and transformation series has important practical significance.This paper includes five parts. The first part introduces the research background, literature review, content and structure, as well as the research method. The second part briefly reviews the introduction of the WEN JIAN AN XIN series financial product through the background, feasibility analysis and risk control aspects before the Internet impact. Then, this part is the challenge of the internet finance of the WEN JIAN AN XIN series financial product。It deeply analyzes the necessity of speeding up the transformation of WEN JIAN AN XIN series financial product at Beijing Rural Commercial Bank After the financial impact by the Internet. The next part which putting forward the strategic ideas of Beijing Rural Commercial Bank for the transformation of WEN JIAN AN XIN series financial product which includes the theoretical induction of brewing scheme and implement achievements. The final part is the conclusion and prospect. It summarizes the research results of this paper, explains the lack of research and the need for further future research work, and proposes the future development prospects of financial product to Beijing Rural Commercial Bank.With taking WEN JIAN AN XIN series financial product of Beijing Rural Commercial Bank as an example, to analyzes the internet impact before and after the development. By analyzing this product, understand the internal structure of this product to help establish a general framework for the analysis of other financial products, the theoretical study of financial product transformation has opened up new ideas for traditional commercial bank. Through WEN JIAN AN XIN series financial product transformation analysis, an understanding of the guiding ideology of Internet financial services, the development of positioning, profit model and development strategy, and other related content, which provide a favorable basis for Beijing Rural Commercial Bank financial products transformation development. The transformation development of the Internet financial product at Beijing Rural Commercial Bank can bring the related revelation and practical level recommendations to the same industry and keep up with the market situation, close to reality, and construct the Internet financial product under the impact of the internet financial product.