Qingdao Rural Commercial L Bank Financial Research Development Of The Internet

In recent years,the Internet financial relying on Internet technology obtained the rapid development,its connotation and pattern is also in constant change and development.Internet financial model such as third-party payment,the main network channels of financing and business of rural commercial bank's traditional business model has a great impact,to speed up the rural commercial bank business development trend of network and e-commerce.Each big Banks through self-built electric business platform,launched mobile banking and balance of similar products,such as business development treasure their own Internet financial innovation path.The advent of the era of the Internet financial,promoting financial marketization reform,this makes the traditional rural commercial bank profit way faced with new challenges.The rapid development of Internet financial,make rural commercial Banks rely on deposits and lending to earn wasn becomes more difficult and the gains to make shrinking risk.so for China's commercial Banks,especially the rural commercial bank,want to become bigger and stronger,must adjust the income structure.At the same time,the Internet financial but also has low cost,high efficiency,wide coverage,the advantages of fast development,in the great era,Internet + rural commercial bank make full use of the Internet + thinking,to develop the Internet finance,was forced by the situation,is also the trend of The Times.This article first through the study of the nature of the Internet financial,the main mode of Internet finance,Internet financial related theory and the rural commercial bank development of the Internet financial business types.Then,using case analysis,review of Qingdao rural commercial bank development history,and analyze the current situation of the development of Qingdao rural commercial bank,and then expounds the Internet financial influence on Qingdao rural commercial bank of traditional business,then elaborate the practice of Qingdao rural commercial bank development of the Internet financial and focus on Internet financial development of Qingdao rural commercial bank the SWOT analysis,so as to put forward the further development of Qingdao rural commercial bank Internet financial path.