Research On The Development Countermeasures Of X Commercial Bank's Personal Financial Management Business Under The Background Of Internet Finance

With the popularity of the Internet and the widespread use of the Internet,Internet banking came into being and developed rapidly,online banking,mobile banking,third party payment,baby class financial products,P2 P net loan and other gold the financial innovation business is booming in China,which forms a new financial model,Internet financial business model.At present,the rapid development of Internet banking,the financial institutions especially the banks have emerged,the future growing along with the development of Internet banking,and commercial banks will face more fierce competition,business model and operation pattern of change in the banking industry even the.In this paper after analyzing the influence of commercial banking business of Internet financial background the current situation of the development of personal financial business in X commercial bank and the existing problems are analyzed,on this basis,the proposed banking financial business in the face of the financial impact of the Internet and the countermeasures and suggestions: first,strengthen business innovation.First of all,we must innovate management thinking,pay attention to the Internet banking "long tail effect",to carry out Inclusive Finance;followed by the financial needs of small and medium-sized customers,innovative product design.Second,to enhance the level of product marketing,flexible adjustment of Internet banking revenue,strengthen Internet banking channels,full use of the two micro marketing strategy.Third,to strengthen the quality of personnel,personal financial services related to the Internet financial personnel training and assessment.Fourth,to further improve risk management.After the introduction of the Internet banking business financing platform,the risk is bound to increase,so the Internet platform will be incorporated into the supervision of the entire financial risk management business.Fifth,strengthen technical support.First start with the Internet banking platform for cooperation,to carry out financial services using the Internet platform;second is to optimize the operation platform,improve the convenience of the transaction;finally,the use of big data analysis for user marketing demand.In the context of Internet banking,commercial bank financial services only adapt to market changes,to change the business model,the concept of service innovation,faster and better meet customer needs,to be in the war and difficulties,consolidate the market position.