Research On The Transformation Strategic Of Postal Savings Bank Of China Under The Background Of "Internet +"

As a kind of new economic formation,"Internet +" integrates into various fields of economic society by the advantages of innovation?openness and inclusiveness since it is proposed.The development of commercial banks is also affected deeply.Although internet finance has carried out a certain degree of subversive innovation on the business model of traditional commercial Banks by its own advantages,the banks is still disadvantaged in the aspects of development strategy,technology framework,data mining and so on,which makes its transformation extremely difficult in the background of "Internet +".Therefore,in the case of the Postal Savings Bank,this paper explores how commercial banks can transform,and how to realize the sustainable development,which is pressing and far-reaching in the theory and practice.This paper is based on the “internet+”,the internet financial development situation and the latest research results,the PSBC's business development,research papers and the public information.By analyzing the advantages of Internet finance in mobile Internet,cloud computing,big data,and the application in bank business,this thesis summer up the disadvantages of traditional commercial banks in the innovative concept,information construction,big data mining.Starting from the current situation of postal savings bank,this research analysis the advantages of postal savings bank in the aspects of scale,assets,and brand reputation.At the same time,it is also disadvantaged in the aspects of low personnel quality,rigid organizational structure system and conservative mode of thinking.By the high-speed development of "internet +",the external opportunities and challenges which the postal savings bank faces are more prominent.This paper analyzes the strengths,weaknesses,opportunities and threats of postal savings bank in detail by SWOT analysis method,and analyzes the SO,WO,ST and WT strategies of postal savings bank by combining four factors.By making full use of external opportunities,avoiding external threats,giving full play to the internal strengt hs of enterprises,overcoming their own weaknesses,establishing the core competitiven ess of enterprises,and realies the development of enterprises.The analysis goes to thetransformation strategy of postal savings bank: adhere to the development of internet banking,adhere to the transformation and development,adhere to product and service innovation,adhere to the industry cross industry alliance,achieving strategic transform ation and sustainable development through innovative financial products innovation,big data mining and other measures.