Research On The Development Strategy Of H-bank Personal Wealth Management Business Based On Internet Finance

With the further promotion and application of Internet technology,the traditional personal finance business of commercial banks has gradually lost its competitiveness,and a new type of personal finance business adapted to Internet technology has emerged,and "Internet finance" has developed rapidly.As a local commercial bank,as a local commercial bank,it should keep up with the pace of Internet finance and constantly update its personal financial products.At the same time,there are still some problems.It is of great significance to study the development strategy of personal finance business.Based on the basic theory of Internet finance and personal finance business,this paper expounds the present situation of H bank's personal finance business,and analyzes the problems such as product lack of innovation,weak technical support ability and insufficient warning of financial risk,etc.Based on the SWOT analysis of personal finance of H commercial bank based on Internet finance,this paper puts forward some optimization strategies,such as strengthening business innovation,strengthening technical support and perfecting risk management mechanism.