Development Strategy Research Of Bank Of Beijing Nanchang Branch Retail Loan Business Under The Background Of Internet

In recent decades,China's economy has made rapid progress.In the rapid development of China's economy,China's commercial banks joint-stock reform and complete,in accordance with the norms of modern financial enterprises,establish a sound corporate governance structure and internal control management system,establish the corresponding evaluation and monitoring system,promote the retail loan business healthy and rapid development.With the development of Internet technology,modern financial concept and people's consumption mode,the traditional commercial banking business is facing the challenge of Internet banking,such as third party payment,network loan,P2 P and so on.In this paper,the current situation of traditional retail banking credit business,Beijing bank Nanchang branch as an example,this paper analyzes the challenges and opportunities faced by Beijing banks under the Internet finance,and puts forward some corresponding countermeasures.This article is divided into six parts.The first part is the introduction.Introduce the research background and significance of this article,comb and elaborate the literature about Internet finance at home and abroad,and put forward the research content and research methods,innovation and shortcomings of the research.The second part is the relevant theory of the study.The third part is about the current situation of retail loan business of China's banking industry and Nanchang branch of Beijing bank.The fourth part is the influence and Enlightenment of Internet banking on retail loan business.This paper describes the relevant concepts and classifications of Internet banking,introduces the current development of Internet banking,and analyzes its impact on the retail lending business of banks and opportunities.It briefly introduces the business development and credit products of Hongling Capital,and it has some enlightenment for the development of retail credit business in Beijing bank.The fifth part is the investigation and analysis of the impact of Internet banking on traditional banks.Beijing bank employees and consumers were investigated respectively to analyze the impact of Internet banking on traditional banks.The sixth part is the challenges and development strategies of retail loan business of Bank of Beijing under the background of Internet banking.Finally,conclusions and future perspectives are presented.Through the analysis of this article,it is concluded that the Beijing bank Nanchang branch should speed up the development and application of Internet financial technology in the context of the continuous implementation of the Internet financial strategy.We need to transform the entire bank with the Internet's thinking and ways,and build an internet financial system which is highly integrated with Beijing bank's various products and services,so as to enhance the customer experience.