Internet Finance Development Strategy Of Jiangxi Bank

In recent years,the rapid development of Internet finance,commercial banks are actively involved,the traditional financial services and Internet finance combine the use of big data,cloud computing,the block chain of Internet technology to develop new products,to the traditional banking sector It brought profound changes.In this paper,city commercial banks Jiangxi bank as a representative analysis of how traditional commercial banking strategic transformation,the use of literature review,case analysis,SWOT analysis matrix and other methods,starting from the traditional commercial banking and financial model of development of Internet,Jiangxi Bank may take Internet finance development model analyzes,strategic management of PEST analysis and SWOT analysis,Jiangxi banks internal and external environment analysis,strengths and weaknesses analysis,to explore strategic orientation and safeguards Jiangxi banks Internet finance.This paper is divided into six chapters.The first chapter mainly introduced the research background,significance,leads to the necessity of the Internet finance in Jiangxi bank financial conduct strategic transformation.By studying the relevant literature,describes the Internet finance business development situation,this thesis writing limitations,difficulties and research methods used at the same time elaborated.The second chapter introduces the theory of knowledge,including traditional financial institutions to develop four main Internet development model amount,strategic management analysis tools such as PEST analysis,Michael Porter's five forces model,SWOT analysis matrix and the like.The third chapter of the external environment in Jiangxi Internet bank financial development are analyzed,analysis of the present situation of the development of Internet banking,then using PEST analysis method for analysis from four political and legal environment,economic environment,social and cultural environment and technological environment using Michael Porter's five forces model of competitive existing competitors,potential competitors from entering the ability,the ability to substitute alternatives,bargaining power of suppliers,bargaining power of buyers overall analysis.The fourth chapter analyzes the major internal environment of Jiangxi Internet bank financial development.It focuses on the overall situation of the status and Internet financial business development within Jiangxi bank lines from several aspects of human resources,technological innovation,operational capacity,resources and marketing management,analysis of internal resources,summed up the Internet financial advantage Jiangxi Banks,weaknesses,threats and opportunities,with the SWOT matrix analysis method to get the Jiangxi Internet banking financial services require different development strategies.The fifth chapter is the core of this thesis,proposed Jiangxi Bank Internet banking development strategy to meet the needs of long-tail customers' products,product innovation to different from the traditional channels.You can launch Internet banking products to help customers.To create a standardized,customizable,time-sensitive Internet financial products to meet different levels of customer demand for services by the bank-centric to customer-centric transformation to customer demand-driven,innovative products.Business type Jiangxi introduced Internet banking financial services can be developed,such as mobile banking,direct investment and financing banks and P2 P.Meanwhile,Jiangxi Internet bank financial development strategies need to provide safeguards in terms of personnel,systems,performance and so on.The sixth chapter is the conclusion,summarizes the Jiangxi Internet bank financial development strategy and future direction of safeguard measures,the business outlook innovation leader.