Research On The Optimization Of JP Company’s Business Under The Background Of Internet Finance

Nowadays,in the wake of the mature internet technology and its application in the financial sector,internet thinking merges in different industries and is also impacting the structure of the financial industry,which not only creates the new financial formats like P2 P online lending platforms and crowdfunding,but also stimulates banks,insurance,securities,funds,trusts and other traditional financial enterprises to strive for innovation and integration of business models and processes.JP company has a stereo way of thinking,unitary service,lengthy process and non-transparent information in the development of securities business due to its late start and strict risk control,thus it cannot satisfy the multilevel and personalized needs of customers and adapt to the current trend of internet finance.This paper employs the case analysis method to analyze the current traditional business of JP company and its business optimization direction under the background of internet finance at the first step,then takes some internet financial companies as examples,e.g.the financial information service platform – ppdai as an example,to deeply study the mode and process of its financial information service platform,and explore the experience of adopting the internet financial technology and concept successfully embed the high value chain of the financial industry.And this paper,with the enlightenment of online operation mode,differentiated precision marketing and big data innovation of ppdai as the starting point,in conjunction with the multi-dimensional analysis of the current development,business status and operation status of JP company,points out that JP’s securities investment trust business process,optimization and development have problems,and elaborates JP’s optimization ideas in business processes,sales services,product design of the securities trust business process in the background of the internet finance,including the establishment of online platform operating system,differentiated precision marketing services and innovative practice combined with big data products,so as to provide a way of thinking for JP company to perfect and develop securities trust business,capital management business as well as securities business which has some practical significance.