Study On Internet Financial Development Strategy Of GSY Bank

With the development of many ways of Internet technology, such as cloud computing, big data and the social network, the Internet Age has come. Internet technology has penetrated into finance field, forming a kind of financing pattern—Online financing, which lies between direct financing in capital market and indirect financing in banking financing institutions. This new financial type of operation strikes the traditional and steady financial concept, and meanwhile eats original division in financial transition field, leading to the great changes in traditional financial ecological pattern. How to adapt to the new situation of developing online financing, grasp and make use of its advantages, work out its strategies in banking business has become the focus we concentrate on. This paper set GSY Bank as an example, doing research on how to grasp the opportunity and work out and carry out the developing strategies on in banking business itself.This paper puts the point of entry into the booming development of the online financing in China, and introduces its connotation, types, characteristics, the ways of operation and the developing patterns, starting with the analysis of inner and outer part of GSY Bank. It also concludes the challenges and opportunity of GSY developing online financing. In it, we apply to SWOT Pattern to analyze, getting the conclusion of online financing business in GSY Bank. That is, GSY Bank is facing the threat of external environment such as financial products, and it has great advantages over the inner bank. In proper strategies, they should adopt various strategies, make full use of their advantages, grasp the developing opportunities, try their best to change and avoid disadvantages and challenges. In the meanwhile, they should concentrate on digging up the potentials, distinguish restraining factors, and work out reasonable, available and sustainable strategies, resulting in improving key competitive abilities and profit-making aims via product as a center, improving the various channels and quality assurance.On the basis of the conclusion by SWOT matrix analysis table, we put forward the short-term, middle-term and long-term goal and developing strategies of GSY Bank online financing, and describe synthetically the developing strategies from the market, products and talents. We also put forward the safeguards we should take if GSY Bank wants to carry out the online financing from seven aspects—ideas of mathematics thinking, talent team, corporate culture, platform supporting, network images, executive capacity, and risk control.It is well known that the development of online financing not only bring the great opportunities, keep on the relationship of supporting each other, closely cooperation and integration with each other, and we will make full use of every branch, talents and enough information. Furthermore, we should research on the business management strategy of GSY Bank online financing, and seek for more space for common develop for both in order to benefit each other. The research on GSY Bank has the value in theoretical field, and promotes the GSY Bank to free their mind, using Internet conception to transit the way of development and establish a leading position in Internet Financing Age, thus leading to a stronger competitive ability and having significant real meanings.