Scene-financial Application

Along with the rapid development of modern information technology on the Internet, Internet-finance with the upgrading of information technology to rapid development gradually infiltrated into daily life transactions, and traditional commercial banks represented a subversive impact on the financial sector. Domestic commercial banks are subject to the impact of Internet-finance, now they are making a big push into this area.My paper expounds a new operation mode combination such the "Internet+ Scene+finance" and emphasizes the nature of the bank. On the one hand, commercial banks maintain the core value of traditional finance; on the other hand, the banks improve the customer experience and financial services, and transferring to the Internet gradually. Through exploring the scene, the commercial banks achieve the effective integration of traditional financial and Internet-finance, and entering into the time of the scene-finance.My paper focuses on the construction of the scene-finance ecosystem of the rural commercial banks, and also focuses on how to create the 020 model of the financial community bank, how to operate community finance, how to build a cloud platform of senior financial community, how to use financial community projects to enhance the comprehensive management in risk prevention. In this context, we hope to dissolve the boundary of finance and life by the application of scene-finance. Through studying the Haimen financial community APP project, this paper studies and explores the application and development of the scene-finance in local rural commercial banks, as well as the security risk management. At the last of paper, we summarize and refine the new ideas of product innovation management in commercial banks.