Our Country Commercial Bank Internet Financial Development Strategy Research

In March 2015, the national "two sessions" premier Li Keqiang on put forward for the first time in his government work report "Internet +" plan of action, makes the "Internet +" industry innovation and development of new ways.At the same time, the Internet financial also arises at the historic moment, with its unique advantages to the traditional financial industry has brought the impact of the model, thinking and philosophy. With the rapid development of Internet financial, the traditional financial business of commercial Banks have a larger impact and challenges, but also for the commercial Banks, including Bank of China, taian,the product innovation, process optimization, structure reorganization provides a good opportunity and platform. As a result, the Bank of China, taian, financial development can be done via the Internet to drive the sustainable development of the related business steady and thus in the spring tide of Internet finance is in the leading position in the industry.In this paper, first of all, on the basis of summarizing the concept of the Internet financial, to research the Internet financial background, significance and this paper expounds in detail the current development status, and has been clear about the research contents and methods of this article. Second, after reviewing the literature at home and abroad under the premise of the Internet financial investment cost is low, the customer coverage, open service platform, the development concept analyzes the four characteristics of human nature, and the Internet financial payment, the network finance, mobile financial four forms are studied, at the same time on the Internet financial problems and put forward opinions and suggestions of the rationalization of risk. Again, according to the SWOT model and combining the actual situation, the Bank of China from the strengths, weaknesses, opportunities and challenges that the four dimensions of the Bank of China, development of the Internet financial comprehensive analysis and explanation. And then, on the basis of SWOT analysis, combined with the actual situation of the Bank of China, taian, study and explore the development Bank of China, taian,the next step of Internet financial strategy measures, mainly from the planning, customer services, product innovation, personnel training, to support five suggestions on has carried on the detailed description, it is also in this paper, the Bank of China, taian,one of the development of the Internet financial results. Finally, a summary of the content of this article has carried on the summary and induction, and on the basis of summary of this article to the Bank of China, taian,the next step development strategy are analyzed and prospected.The author believes that the Internet finance to Bank of China, taian,there is a limit to the influence of the traditional business, not overwhelming, and the influence on the Bank of China, taian,is not negative, it can be reversed transmission Bank of China, taian,serious reflection, positive innovation, to the management idea,the development mode and the customer base to locate and reform, realization of endogenous power and can effectively improve, one step ahead in the diversification of market competition, winning advantage. Both not pure competition, and should be interactive, benign competition relations, especially the Bank of China to fully study and draw lessons from the development of the Internet financial idea, management mode and form of innovation, optimize business processes, strengthen innovation consciousness, strengthening the transformation and upgrading, and improve comprehensive efficiency, in the current tide of Internet financial and deepening the reform of the financial situation to realize the healthy sustainable development of the business. At the same time, the Bank of China, taian, not only to cope with the challenge of Internet financial institutions and impact by temporary response, and should take the development of the Internet financial business as a platform, deepen financial reform, adjust the structure of the customer, through the development of the financial development of the Internet to activate the traditional financial business potential, really drive the payment and settlement, financing, settlement, guarantees, financing business development by leaps and bounds.