Research On Financial Service Innovation Of Rural Credit Cooperatives In Henan Province Under The Background Of “Internet +”

With the rapid development of Internet technology,the traditional pattern of financial has occurred profound changes and transition,what's more,“Internet +”gradually becomes the hot topic.Among them,a new type of Internet financial supported by Internet technology has sprung up,for example,supply chain finance?credit of P2 P network?electronic banking ?crowd funding?mobile payment and the network finance.Combined with traditional financial concept,the "Internet + financial" as a new form of financial implementation promotes financial industry to realize leap-forward development with the innovation of traditional banking business and financial means.The rapid development of Internet financial brings great convenience to people's life,which also causes a certain impact on the traditional financial institutions,especially in the rural finance.At this stage,there are still many problems in the process of rural credit cooperatives in Henan Province.Which are mainly reflected in the external constraints and rural credit cooperatives.The external factors are mainly as follows: increasingly fierce competition with the industry;rapid development of Internet Banking;the pace of interest rate market is accelerating;China's economic downward pressure gradually increased.The main factors of rural credit cooperatives are as follows: the financial strength is weak;the level of technology is low and Internet banking business base is weak;electronic banking products are single and lack of innovation;single marketing means.Under the influence of "Internet +" era of economy,rural credit cooperatives,as the mainstay of rural finance,should pay special attention to the opportunity,keeping up with the situation constantly improving and innovation.For the existence of rural credit cooperatives and internal constraints,Henan rural credit cooperatives has to Take positive measures,mainly including:developing internet banking actively,Improving the innovation mechanism of financial products and services,changing the traditional marketing concept and the marketing model,building own platform.In the "Internet plus" background,Henan Province Rural Credit Cooperatives should accelerate innovation and upgrading of products and services,improving service levels.As a result of which,it can provide better services to the local rural economy,and promote the further development of the rural work.