| In recent years,Internet finance becomes market focus and various forms of Internet financial model appear in the market.All kinds of capital have entered the field of Internet Finance and promote internet finance development,meanwhile traditional financial industry make internet layout as well.Banking,main force of traditional banking industry,should integrate internet financial field initiatively and gradually explore the suitable way of internet finance.The main mode of internet banking tried by a number of banks is network lending business in the last few years.As a medium joint stock commercial banks,Huaxia bank operate steadily,its asset and profit growth rate at a moderate level in the industry.In the process of business transformation,Huaxia bank have gradually increased the intensity of attention and investment,and the attempt of network lending is an effective way to explore and integrate the internet finance.From the current development trend of internet finance point of view,the Ministry of supervision will regulate the online lending market with its healthy development.Therefore,banking should deploy network lending business in advance and build market share depending on its credit advantage.This paper first introduced the background and basis of the development of network lending,and then briefly present the current situation and problems of the domestic network lending industry and the importance of network lending business.Secondly,combined with the conditions and the actual situation of Huaxia bank should initiatively carry out network lending business by SWOT analysis.Huaxia bank should catch factor of internet marketing and expand market and serve clients relying on internet.At the same time,credit evaluation system have big data lag,which cannot effectively support the rapid development of network lending.The future healthy development of this industry needs the increase of spatial data information,and establish and improve the credit rating model. |
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