Optimization Research On Operations Model Of YC Rural Commercial Banks Under The Background Of Internet Finance

With the advent of economic globalization,China's financial industry has entered a new era of Internet development.In this period,the scale of Internet users has shown a trend of rapid growth,people's consumption habits have gradually developed to network consumption.Internet financial development has not only created a strong external conditions,but also brought a greater impact on the development of traditional banking business.In2015,Chinese government will be written in the national government's Internet finance report,which also shows that the state of the Internet financial attention gradually increased.Compared to the western developed countries,it is a late start for the exploration and use of Internet finance of China's Internet finance,which is also in a stage of rapid development.The Internet financial business temporarily relies on the traditional channels to expand,lacks of necessary communication and contact between each other.This has a lot of negative effects on the survival and development of banks in the context of Internet finance in China.At the same time,with the deepening of China's opening to the outside world,foreign banks began to penetrate into China's financial sector,they rely on Internet finance mature technology and development advantages,to quickly seize our banking financial market,laying a serious impact on the survival and development of local banks.In the fierce competition,if China's banking industry exists and develops in the market,it must have a sense of urgency and crisis,and constantly accelerate the financial system reform,and comprehensively promote the electronic banking and information technology development.It can be said that Internet finance is not only a challenge to China's banks,but also a driving force for the development of China's banking industry.Only by making full use of the Internet,can we develop the banking industry in order to promote the healthy and stable development of national banks.this paper analyzes the status quo of bank development in YC Rural Commercial Bank under the background of Internet banking,which analyzes the basic methods of SWOT analysis by using the case study method of rural commercial banks under the background of Internet finance as the research object.It points out the problems which exists in the development of the Internet under the background of the Internet,and puts forward the corresponding optimization strategy on the basis of fully drawing lessons from the advanced experience and practice of the developed countries.From the research of this article,the research content of this paper mainly includes the following parts: The first part includes the introduction,the research background,the research significance,the research content and the research method,and the current research situation at home and abroad;This part focuses on the basic concepts and characteristics of Internet finance and business model.On this basis,the author analyzes the business model of the bank under the background of Internet finance and tradition.The third part is the analysis of the business model of the Internet.For the case study,the YC Agricultural Bank of China was introduced and analyzed from the current situation of YC Agricultural Bank and the current situation of Internet financial business model.The fourth part adopts SWOT analysis method to analyze the status of YC Agricultural Bank from the bank and The external environment of the two aspects of the current advantages of banks,weaknesses and opportunities and threats to conduct a comprehensive analysis;the fifth part bases on the previous part of the analysis,the network under the financial background YC Agricultural Bank to optimize the business model to build the Part of the first introduced the bank business model optimization goals and principles,On the basis of this paper points out that it is optimized from the aspects of bank management idea,business model,product and business growth mode,service mode,marketing mode,service concept and risk management.The sixth part is the protection measure.In order to ensure the optimization of the bank business model,The implementation of this article points out which emphasis on the management level,to build a large data technology based on the service system,the establishment of an effective Internet financial management system and mechanisms to strengthen the training of compound talents in four areas;the seventh part of the conclusion points out the research conclusion of this paper,and puts forward the follow-up research direction for the research.