| As interest rate liberalization and the rapid development of Internet financial subject,traditional development mode of commercial bank is affected badly.Development patterns innovation and transformation become the best way to traditional commercial Banks to realize the transformation and upgrading and to cope with increased competition in the domestic and international environment.Direct bank is the important products of commercial Banks to deal with the Internet finance rapid development.To develop direct bank is good for the commercial Banks to expand customer market and increase customer stickiness.It is also a good way to keep its own time and improve the market competitiveness.As the pioneer of China's direct bank business,Minsheng direct bank has more obvious first-mover advantage in strategic orientation,operation mode and product innovation.It makes an example for other commercial Banks to deal with the Internet financial competition and realize the transformation development.It also has the enlightenment function to stimulate development of China's financial market and standardize the order of financial market.Therefore,it has strong theoretical and practical value to do a research about the business of Minsheng direct bank.Firstly,this paper analyzes the background,research significance,the domestic and foreign related front research and theory related to this study systematically.It is a theoretical foil for later analysis.Then,it respectively uses PEST analysis,Porter's five models and SWOT analysis to comparative systemic analyze the internal and external environment,the advantages and disadvantages and the restricting factors of Minsheng direct bank.Finally,it puts forward some suggestions about business integration and innovation of Minsheng direct bank from the development model,product and service innovation,risk control management,talent team construction and diversified development ideas respectively. |
