The Internet Financial Development Of Huarong Xiangjiang Bank On The Impact And Strategy

In recent years, the Internet companies rely on mobile payments, big data, cloud computing, social networks and search engines, etc. as the representative of the new generation of Internet technology, the service will gradually penetrate into the traditional financial sector, the third party payment, electricity suppliers small loans, P2 P, balance treasure, micro channel banking and other Internet financial model came into being. The rapid development of the Internet makes commercial banks is no longer the only channel for customers to save, loan, exchange business, the bank’s customer marketing, trading services, business development, internal management mode and other changes to form a forced effect, while the financial and the Internet will also create a lot of new financial services demand.Huarong Xiangjiang bank as a representative of our local commercial banks. Currently, it has successfully launched online banking, mobile banking, micro channel bank Internet banking business, certain achievements have been made. But under the new situation of Huarong Xiangjiang bank is still facing various challenges, need to actively innovation and transformation, the vigorous development of Internet banking business. Based on the analysis of the development situation of China’s Internet banking, Internet banking business development situation of Huarong Xiangjiang bank, SWOT model for further development of Internet banking business Huarong Xiangjiang bank analysis of advantages and disadvantages, opportunities and challenges under the new situation based on that, Huarong Xiangjiang bank value creation model, payment intermediary business, credit business is facing challenges, but at the same time expand customer resources and other aspects are facing new opportunities, Huarong Xiangjiang bank should be combined with their own strengths and weaknesses, through cooperation, pay more attention to the customer experience, to create a full range of financial ecosystem, improve risk control mechanisms, improve the internal management level of positive measures for the development of Internet banking, to achieve sustainable development...