The City Commercial Bank Of Internet Financial Development Model

In recent years,the rapid development of Internet technology,more and more wide range of applications,the financial sector is an important application of the Internet,especially the emergence of new technology for mobile payment,big data,social network and so on,the traditional finance has changed.2013,is the first year of Internet financial.Alibaba group Alipay company in June this year launched the "balance of treasure",is actually on deposit business customers sales.It is from this product launch,the domestic Internet banking began a wave of development in the true sense.One is the third party payment companies with data and information advantage,began to be involved in the field of Internet banking,net loans and other financial fields,have a great impact on the operation of commercial banks;a commercial bank is aware of the necessity of the development of Internet banking,make full use of the bank's own advantages,actively carry out financial innovation,accelerate the electronic banking,mobile payment business development and product promotion,to explore the suitable business model of Internet banking.At the same time,with the interest rate market,the deposit insurance system is implemented,the release of private banks,the financial situation of rapid changes in domestic banks as financial intermediaries,challenged the status of city commercial banks,as the second line of banking industry is facing enormous pressure and challenges.To conform to the development of Internet banking,to avoid the financial impact of the Internet,but also through the positive development of Internet banking to realize the development of city commercial banks "overtaking",we need to research on how to carry out the Internet Financial City Commercial bank.Therefore selection of City Commercial Bank representative of Jiangsu Bank Internet financial development model has a certain value.Based on the above background.This paper has a detailed analysis of a variety of domestic and foreign Internet banking development model,summarize the characteristics of China's Internet banking,analysis of China's Internet banking development situation,pointed out that the current bank of innovation still remain in the traditional banking business line of stage.Then to the order of Bank of Jiangsu as a case of Bank of Jiangsu in the Internet banking business development of achievements and the main problems,explore the development of Internet banking model selection approach and main influencing factors,based on the questionnaire survey,sets up the evaluation index system and construct a matrix model based on that the best mode of Jiangsu Bank Internet banking development is to direct bank development as the focus,to the traditional electronic banking as assistant.It is pointed out that the development methods of Jiangsu Bank Internet banking is to accelerate the construction of the network credit platform,and gradually put for a full range of integrated financial service,the ultimate goal is to build an internet bank.Bank of Jiangsu should be combined with their own advantages and disadvantages,to strengthen cooperation,focus on the customer experience,promote the business innovation,improve risk management mechanism,improving the internal management level to the development of Internet banking.