The Research On The Influence Of Internet Finance On The Traditional Banking Business Of HN Postal Savings Bank And Its Countermeasures

In recent years,with the rapid development of information technology,"Internet +Finance" in our country in the ascendant,this new model for China's financial industry has brought many opportunities for development,but also to the financial industry in the traditional business band To a great impact and challenge.In the era of rapid integration of Internet information technology and traditional finance,Internet financial service providers provide customers with new financial services such as online payment settlement,P2P loan,large data finance and financing demand.Commercial banks must think about their own The development model,bold and positive reform and innovation,to take an effective response to development strategies to meet the challenges to meet the changes in the rhythm of the times.This paper is to study the influence and countermeasure of HN Postal Savings Branch's traditional business in this context,with a view to promoting the reform of HN postal service branch service mode,and provide reference for further development of Internet financial business.This paper is divided into six chapters:The first chapter is the introduction,expounds the background and significance of the research,the research methods and ideas of this paper,and summarizes the characteristics and innovations of the research.The second chapter is an overview of Internet financial development and postal savings bank development.It mainly introduces the concept,function and characteristics of Internet finance,the status of Internet financial development at home and abroad,the development status and market positioning,business type and profit model of postal savings bank.The third chapter is the overview of HN postal branch and the current situation of traditional business.It mainly introduces the general situation of HN postal branch,the characteristics of network and the current situation of traditional business.The fourth chapter analyzes the impact of Internet finance on the traditional business of HN postal branch,and analyzes in detail the impact of Internet finance on HN branch assets,liabilities and intermediate business.Chapter 5 puts forward the countermeasures that HN postal branch's traditional business should deal with Internet finance.Chapter 6 is the conclusion and prospect.Through the research of this paper,it is concluded that the postal savings bank HN branch should actively change the management concept,accelerate the construction of network technology information,customer-centered service innovation,focus on virtual channel construction,speed up the financial Innovation.The research results of this paper will be the practical significance of the postal savings bank in the financial impact and challenge of the Internet,to avoid disadvantages,to enhance their own business ability to take practical measures.