Strategic Analysis On The Construction Of E-commerce Platform Of FC Agricultural Commercial Bank

With the development of Internet technology,Internet finance has caused tremendous impact on the traditional financial industry,and competition in the rural Internet finance sector has intensified.Under the background of this new format,The e-commerce platform,which can effectively meet the needs of small and micro enterprises and individual customers and channel products and services,is one of the important ways for traditional banks to solve the problem of low quality and efficiency.FC Rural Commercial Bank,as the most widely distributed local bank in FC city,has the largest bank deposits and loans,and has always faced the embarrassing situation of fewer business varieties and aging customer groups.FC Rural Commercial Bank urgently needs to build an e-commerce core platform that can support financial,lifestyle,and mall business scenarios,and provide product support,customer service,account accounting,and operation and marketing capabilities.It will give the solution of the Internet industry which enter the financial industry and cause damage to traditional banks.Studying the construction and development strategies of the E-commerce bank's e-commerce platform not only has extremely important research and practical significance for itself,but also has considerable reference significance for other industry organizations.Firstly,this paper will summarizes and combs the domestic and foreign research about the Internet Finance,clearing the definition and characteristics of Internet Finance,summing up the development model,analyzing its influence on traditional banking institutions.Secondly,based on above research,this paper takes FC Rural Commercial Bank as the research object,summarizes its history and current situation of Internet Finance.Having a clear mind of the problems and its root causes in Internet Finance development.Finally,combined with PEST and SWOT analysis model,this paper analyzes the opportunities and the path for the FC Rural Commercial Bank to develop its Internet Finance.Through differentiated market positioning,financial services,financial products,marketing methods and innovation capabilities,the Bank promoted a differentiated development strategy and proposed four major safeguards for implementing differentiated development strategies.This paper has certain theoretical value for the banking institutions to carry out Internet Finance development,but also has practical significance to the FC Rural Commercial Bank.