The Study On Business Mode Of The Bank Of Weifang Under Internet Plusbackground

Internet companies involved in the financial sector to carry out financial business,and presents the growing momentum of development.It brings a great impact on the traditional way of thinking and business model of the bank.With the popularity of mobile Internet,cloud computing,big data,especially since 2013,Taobao launched the balance of treasure,Internet companies involved in more and more widely in the field of financial.It brings great impact on the bank's traditional profit model.The competitive environment of Small and medium-sized commercial Banks is more intense.Because it not only to face the impact of Internet financial enterprises,but also to face the competition of large and medium sized commercial banks.In the "Internet plus" background,how to better adapt to the rapid development of Internet banking,the establishment of the Bank of Weifang's own development characteristics,as the Bank of Weifang to explore the topic.The Bank of Weifang is developed based on the original city commercial banks on the joint-stock commercial banks,since 2009,has successfully launched the Internet financial services such as online banking,mobile phone banking,has made some achievements.With the rapid development of Internet banking,the Bank of Weifang is facing the impact and the challenges in the field of deposit,credit business,payment and so on.At the same time,the competitive environment of the Bank of Weifang is changing,mainly manifested in the interest rate market and the industry to enter.It leads to increased competition,reduced profits.The rapid development of Internet technology and electronic commerce,to provide good technical support for the development of Internet Bank of Weifang.The existing business model of Bank of Weifang has been unable to meet the current competitive environment,There is a lot of problems in the process of development,such as Internet transformation is slow,talent shortage.The Bank of Weifang should be in the smart phone banking and otherelectronic banking channels to improve customer experience,optimize business processes,improve business intensive processing and the existing business model.