The Internet Financial Business Development Strategies Of The Qiqihar Branch Of Bank Of China

Since 2000,integration of China's Internet technology and finance business spawn a series of such as third-party payment platform,mobile payments,P2 P network lending,Internet banking and other financial products,they affect people's consumption habits,but also subvert the traditional model of development of commercial banks.With the continuous decline since 2015 deposit and lending rates,the traditional profit model of commercial banks is being challenged.The traditional commercial banks on how to find new development opportunities,using the Internet financial spring,breaking the limitations of traditional profit model to explore the wider market space,worthy of our study.Bank of China has a hundred years of history,is one of four state-owned banks,business areas including corporate banking,personal banking,electronic banking,financial market business,and continued to launch online banking,mobile banking,home banking,Bank Easy,network reign,Bank E community and other electronic banking services.But the face of opportunities and challenges under the new situation,the Bank of China still has traditional deposit and lending business emphasis on the proportion of internet financial services lack innovation,single product structure,the lack of professional personnel and other issues,to carry out financial business internet form than substance.Qiqihar Branch of Bank of China is part of the two branches of the Bank of China.Qiqihar branch of Internet financial services development strategy is the paper's research object,based on the domestic internet finance business theory and development,the paper carry out Qiqihar Branch interne finance business development strategy.Introduced dometic theory and development,the paper described in detail Qiqihar Branch's conduct course,the main business model,operating status,conduct business innovation introduced,analyze problems and limitations of Qiqihar branch of financial services in the development of Internet presence?Based on the current economic development and competition cases in the region of Qiqihar,and conduct internal and external environment facing the current study,combined with the impact of the current generation of Internetbanking for commercial banks and the risks of its existence,the drawbacks,targeted proposed Qiqihar branch of Internet financial services development strategy.