The Internet Financial Background Of China Construction Bank XX Branch Deepening The Research On The Retail Business Transformation Problem

In 1960's, Internet was born in the United States. After entering the 21st century, Internet began to sweep the globe, and the rapid development of the Internet has had a profound impact to all sectors of society. Among them, based on the Internet technology support, with "open, equality, cooperation, sharing" as the characteristics of the Internet spirit, it is reshaping people's values and thinking methods. With the traditional financial industry combining the spirit of the Internet, Internet banking was born. Today, Internet-based community, prompting a new financial structure, is emerged. Internet banking has accelerated the traditional financial "disintermediation" process, promoted the financial institutions in innovation, and continuously brought value to customers. It can be said that Internet banking will further implement the Internet "with factitious center" read, and the market economy competition standards will be fully implanted in the financial sector.As we all know, with the advent of the financial times, Internet enterprises are facing new challenges, many Internet businesses have adopted the policy of financial reform. For example, wallet function of Baidu, Alibaba's balance of treasure and pay treasure, Tencent's treasure and wealth management have strong absorbing ability, especially in recent years, there is greatly impact on the traditional banking business operation pattern. These are enough to show that in the 21st century high-tech era, only through putting people first, providing quality financial value-added services, can we be loved by the public, and lay solid foundation in the age of the Internet.In view of the above background, this paper mainly discusses the Internet financial background of China Construction Bank XX branch as the research object, using literature search of relevant literature, making analysis and summary of research based on the use of the logic of Dialectics of Internet financial background of XX branch of China Construction Bank by theory analysis, finally it carries on the analysis using empirical and normative analysis method. The actual investigation of XX branch of China Construction Bank Retail business transformation and achievement is realized, the retail assets business and liabilities business transformation realized, the transformation of retail intermediary business transformation realized. Through the analysis of the main problems of management concept and assessment shows insufficiency, product homogenization, the retail business marketing channels, it finds the lack of high-quality talents. And for the Internet financial background of our country's Construction Bank XX branch Line of the existing problems, the author puts forward the need to meet the actual development of the settlement measures, further promotes the sustainable and steady development of the China Construction Bank branch XX and benign operation.In this paper, the main innovation lies in the Internet finance and retail banking in transition issues, the combination study of the financial and banking Internet retail business transformation is still a new topic, and relevant literature is scarce. Then, the author uses the actual survey method to collect the actual development of XX branch of China Construction Bank data, collects data for the original the data of China Construction Bank XX branch, including the transformation and performance, business transformation, asset liability business transformation, intermediary business transformation, and statistical analysis of the data in the data type; the specific business problems of strong support, the construction Bank XX branch in the Internet financial development. Also, the author puts forward the optimization marketing strategy, accelerates product innovation to build a multi-channel marketing system, optimize personnel in accordance with construction Bank XX branch development countermeasures. In order to further promote China Construction Bank XX branch deepening the research on the retail business transformation.