Research On The Developing Strategies Of The Micro Credit Business In Internet Of Agriculture Bank Of China Quan Zhou Branch

In recent years,the Internet finance has developed rapidly in China.It's an important form of deepening the reform of financial system and improving financial innovation.Meanwhile,the rise of the Internet finance affects the formation of the traditional financial system.At first,the third-party payment companies appear.Then,the Internet lending business expanding from large-scale E-commerce platform comes into being.At present,it has constantly penetrated into the Internet wealth investment,the Internet stock and the Internet insurance.Its influence has got the concern from different fields of our society.The introduction of the Internet has a subversive influence on solving the three major problems which include the high cost of operation,difficult risk control and the low managing efficiency when commercial banks carry out micro credit business.It provides the technology possibility of thoroughly solving the problem of difficult and expensive financing of micro business.There is no doubt that it needs certain external conditions if it is realized.For instance,we need to speed up and advance the innovation of financial system,take an active part in developing network innovation platform,have a research on risk management in a new environment and so on.The passage describes the concept of the Internet finance and micro credit business and analyze the developing situation at home.Meanwhile,it sorts out the theory of the Internet finance,from which we can get the main mode of Internet financial development and profit.This paper classifies and integrates the Internet micro credit mode in China.It analyzes and forecasts the risk of the Internet financial business and the related and future supervising trend.The passage takes Agricultural Bank of China Quanzhou Branch as an example,in which the micro credit business is maturely developed.It tries to design the developing strategies of the micro credit business in internet(hereafter be shorted as internet micro credit)of Agricultural Bank of China QuanZhou Branch and realize the combination of theory and practice.At last,by summarizing the passage,it provides some proper suggestions about the developing path and effort direction in the near future with the rise of the Internet finance.