Research Report Of The Internet Financial Business Of The Bank Of Hebei

Through the slow development of exploration, after 2013, the development of the Internet finance is in full swing, including a variety of forms,such as the traditional financial business using the Internet, the third-party payment, peer-to-peer lending and so on. In the second half of 2014, Alibaba Group, making Alipay as the main integration of its Internet banking business, established the ant financial services for small and micro enterprises and individuals. The rapid development of Internet finance continues to upset the traditional banking sector, especially for the city commercial banks that is targeted at small and micro enterprises and individuals on the establishment.Internet finance provides convenient and efficient financial services, which is both a challenge and an opportunity for Hebei banks. Therefore, the development of the Internet finance has become the focus of future business transformation, urgently to a broader deeper level, to win broad space for development.Embracing the Internet finance, the bank of Hebei in May 2015, launched in the first direct bank rainbow Bank in Hebei Province. Direct bank is an important part of the "Internet +" service system of the bank of Hebei, breaking down geographical and time constraints, so Hebei bank can provide services for a wider range of customers. Rainbow Bank takes full advantage of the mobile Internet, big data, cloud computing and other leading science and technology, which is a comprehensive Internet financial services platform built by the bank of Hebei.The products and services of direct bank can be innovated from design concepts, operations, marketing and other aspects. Therefore, in the Internet financial sector, direct bank can rely on innovative products and services, internal and external financial cooperation scene to gain an advantage in competition. Rainbow Bank has become an important part of the Internet financial platform of the bank of Hebei. Based on the rainbow Bank,Hebei Bank has carried out a lot of creative work, so the products and services of the platform is constantly improving.This paper includes five chapters:The first chapter introduces the research background, objective,ideas and methods, as well as the innovations. The second part describes the research, including the traditional Internet-based electronic banking,the direct banking and its products and services and then leads to the theme of this research.The third part introduces the opportunities and challenges that the Internet finance brings to Hebei banks.The fourth part describes the problems faced by Hebei among the development of Internet finance.The fifth part puts forward suggestions for the development of Internet financial business of the bank of Hebei.