Research On The Influence Of Internet Finance On The Sales Of WD Bank's Financial Business Products

The rapid development of Internet technology has created a favorable macro development environment for the rise of Internet finance.Internet finance is the hottest content in the current financial field and is also the focus of research in the academic community.The impact of Internet finance on the financial wealth management business of WD commercial banks is The research topics will be researched.The research contents mainly include the pressure of internet finance on the development of WD commercial bank financial wealth management business,WD's insufficiency and countermeasures in responding to the impact of Internet finance,and the promotion of WD commercial bank financial wealth management services to respond to the Internet.Financial impact ability strategies.Through the research of this paper,the following conclusions are drawn:Through the questionnaire survey,respondents generally agree that Internet finance has brought important influence on the development of WD commercial bank financial wealth management business.These influences are positively promoted and have negative restrictions.The generation of such influence not only has direct external shocks,but also has its own shortcomings in innovation and service upgrading.Secondly,the favorable conditions for the development of WD commercial banking financial wealth management services under the background of Internet finance include harmonious relations with local enterprises,strong capital,certain human resources support capabilities,standardized corporate legal person management system,and development of Internet technology.The unfavorable conditions include the backwardness of information technology,increase in operating costs,and the country' s support for the development of Internet finance,which has increased the strength of competitors,restricted cross-regional operations,competition of large state-owned banks,and the impact of Internet finance.Thirdly,the impact of internet finance on WD commercial bank financial wealth management services is mainly reflected in the negative impact on WD commercial bank financial wealth management product content and promotion,and impact on WD commercial bank financial wealth management product business philosophy and service model,and on WD commercial banks.Financial wealth management product channels and costs have adversely affected.The reasons for the above problems lie in the following:WD commercial bank's lack of updated business philosophy,lack of business innovation ability,over-reliance on income from spreads,and lack of strong alliances with Internet finance companies.Finally,in order to further enhance the WD commercial bank's ability to respond to the challenges of Internet finance,it is possible to actively promote the innovation of financial wealth management products and promotion methods,change business concepts,establish a crisis culture and service marketing awareness,strengthen Internet marketing capabilities in response to market crowding challenges,and actively integrate into the Internet.Develop financial management services and other perspectives to improve.This will increase the ability of WD commercial bank financial wealth management services to meet the challenges of Internet finance and ensure its healthy and rapid development.