Developing Strategy Study Of Finance The Of Small Banks

With the Balance Treasure released strongly, the Internet financial development generates severe shocks and challenges to traditional commercial banks and banking activities. Internet banking, an unique innovation for financial markets, which developed a new financial channels to customers through the Internet and other information technologies was accepted by more and more people. At the same time, the internet banking had an impact on the traditional banking on deposit and loan services, financial services and distribution business, to a certain extent even affected the future direction of the banking industry, and further effect on the competitive landscape of the banking industry and management.After the no time limit, low barriers to entry and personalized service of financial products released by the Internet business through the Internet platform, China Construction Bank pioneered the electronic business platform good financial business which provided product information publishing, online trading, settlement, installment financing and other professional services for enterprises and individuals to provide. The platform formed three segments:Enterprise mall, shopping malls and housing personal e-pass cross. Bo Bank, Industrial and Commercial Bank, Agricultural Bank, also followed to cut into the field of electronic business. Under the dual pressure of the Internet company’s strong incoming and the back of five large commercial banks, the development of the internet banking by small and medium banks becomes an irreversible trend. In this background, the study on internet banking development strategy of small and medium banks seems particularly important.Internet banking is an emerging field of traditional spirit of the financial industry and the Internet combine. Internet banking and financial difference lies not only in the traditional banking business using different media, more importantly, the Internet essence of "open, equality, cooperation, sharing," is well versed by financial participants, through the Internet, mobile Internet or other tools, the traditional financial operations had a series of features, such as greater transparency, higher participation, better collaboration, lower intermediate costs, easier operation. Research on the topic of this article is to take a combination of theory and practice ways, and to take questions, analyze and solve technical problems route. First, starting from four fields which include policy, economic, social and environmental technology, the current macroeconomic environment of Internet banking competition is analyzed and with Polly five forces competitive forces model to analyze the financial industry environment Internet. After this, the development of Internet banking sized banks positioning and strategy are studied. And finally to Nanjing Bank, for example, to use SWOT analysis to analyze the financial development of the Internet Bank of Nanjing strategy, and on this basis, the proposed development strategy and implementation of specific content. Finally, Evaluation and risk control of Nanjing Bank’s Internet banking development strategy is proposed. Through appropriate policy analysis, this paper attempted to propose appropriate strategies and effective implementation methods to the development of the Internet Banking which could make such a menacing place in the financial market reform in the article aims for Nanjing Bank.