Research On The Business Transformation Of Rural Commercial Bank Of Zhangzhou Under The Internet Environment

Along with the development of Internet technology,Internet financial has been producing,the Internet financial has high transparency,aging fast,low cost,convenient operation etc.,crowdfunding,net credit platform,and the third party payment of Internet financial management pattern caused great impact to traditional commercial Banks,the financing intermediary role of traditional commercial bank is desalting,the traditional business model can not meet customer demand,in the new era of financial market environment,commercial Banks should be combined with characteristics of its own development,formulate the strategy of business transformation for more healthy development.In this paper,through literature analysis and empirical analysis,sorting and research the current situation of domestic and foreign commercial Banks business transformation,a detailed analysis of Rural Commercial Bank of Zhangzhou operating status quo,existing problems,and to carry on the business transformation strategy and suggestions.This paper analyze the Rural Commercial Bank of Zhangzhou problems,the lack of features,such as branches can't timely make strategic layout to suit the development of Internet technology,regional Banks inherent in the traditional line of thinking lead to rapid innovation,etc.,aiming at these problems,put forward the corresponding strategy,Rural Commercial Bank of Zhangzhou should be a clear positioning,optimization of distribution network,create characteristic network,improve customer satisfaction,the transformation of management idea,the introduction of the Internet information technology,optimize the allocation of resources,actively explore new business.Through the research of this paper,Rural Commercial Bank of Zhangzhou can find its own development direction and provide practical material for the transformation research of rural commercial Banks.