Research On The Internet Banking Business Development Strategy Of Jilin Shuangyang Rural Commercial Bank

The Internet makes the communication between people more and more convenient, the spirit of the Internet which is "open, equality, cooperation, sharing" is also affecting the users’ living habits. The year 2013, with the outbreak of Yu Ebao, is known as the first year of China’s Internet banking, so far, the traditional financial services have developed towards the internet and the financial models derived from the Internet business model have been experiencing a rapid evolution and integration, the Internet banking is having a profound impact on China’s future financial development.Today, it is not enough for the thinking of the Internet banking model to stay in the theoretical level, its impact on the traditional financial order is real. Traditional commercial banks turn from passive view of hope in succession to positive coping, increase the rate of traditional financial services online, build alone or build through cooperation business platform, integrate the new formats for Internet banking. Internet companies facing the penetration to the financial industry through the Internet platform and huge profit opportunities, in the face of the traditional commercial banks’ “counterattack”, are also actively thinking how to consolidate and develop their own financial services territory.In China’s commercial bank system, there are large and medium-sized state-owned banks and joint stock commercial bank with national layout and strong strength, as well as small joint-stock commercial banks, foreign banks which manages regionally with weak strength. Under the trend of Internet banking, different banks should analyze their own advantages and disadvantages, and seek the opportunity to survive and develop in the market segments. Jilin Shuangyang rural commercial bank has been reformed from rural credit cooperative, belongs to a small regional commercial bank, need to be transformed urgently facing the Internet banking of the profound changes. Jilin Shuangyang rural commercial bank should recognize its own advantages and disadvantages, face the challenges, seize the opportunity, take a suitable road for Internet banking and its own development, which will have positive demonstration and reference function on the homogeneity of small regions of rural commercial banks.