The Transformation Of City Commercial Bank In The Internet And Digital Research

Since the beginning of Internet banking in China,the rise of China's economy has been very rapid,resulting in a large number of its products.The traditional financial services,represented by commercial banks,are becoming more and more related to the Internet,and the strong rise of Internet finance is slowly banning some of the traditional financial services.This trend makes the traditional commercial banks have to make some changes With the maturity of Internet technology,city commercial banks are gradually applying some digital tools to carry out business.For city commercial banks,it is beneficial to change the mode of thinking of traditional banks,improve efficiency,simplify the tedious business process and improve the experience of the customers.Therefore,the city commercial banks can seize the turning point of the Internet and digitize,so they will compete with the state-owned banks and other joint-stock banks in a higher and larger platform.Through the comparison of Internet Finance in assets,liabilities,intermediary business and Hangzhou Bank as an example,this paper focuses on the transformation path of Internet and digitalization of city commercial banks.At the same time,taking the Hangzhou Bank as an example,this paper analyzes its basic situation and business status,and uses the AHP analysis method to quantify and analyze the innovation model of Hangzhou Bank,and obtains the following conclusions:1)Intelligent network can bring better and faster experience for customers,but the cost is high,which is suitable for banks with strong capital strength and strong technical strength.2)Although mobile services are constrained by terminal devices such as mobile phones and computers,the cost of research and development is low,and it is not restricted by space.It is the preferred mode for most banks to complete financial services at any time and place.3)The paperless process,although the cost of no intelligent network is so high,can also change the mode of handling business,but it is still greatly limited by technical conditions and even policy conditions.The innovation of this paper is based on the data of Hangzhou Bank,adopting the method of analyzing data and using research fusion,focusing on the Internet and digitalization of city commercial banks,finding out the advantages of city commercial banks and improving their competitiveness.In terms of operation,city commercial banks can improve the construction of electronic channels,create urban financial services platform,and enhance customer experience in all directions.In terms of products,we should focus on innovation and promotion of online products,increase the construction of intelligent network,promote the combination of online and offline,and make full use of the advantages and resources to achieve sustainable development.