The Industrial And Commercial Bank Of China Heilongjiang Branch Sales Department Development Countermeasure Research

Under the 21 st century of Innovation and development,information network technology has developed with the rapid steps,mobile payment network finance with their own strength to get high speed increase with the increasingly rise,undoubtedly suffered a new challenge as the traditional finance under the current circumstances.in the short term as the traditional commercial bank management pattern can not change from the pattern of change,to the time,under the background of rapid development with age of the Internet environment,the bank counter types of the finance sector and finance services have experienced significant threats and unprecedented impact,the economic structure adjustment,the market decline in demand,tight constraints of multiple factors such as finance environment influence,our country commercial bank operating pressure increasing,transformation development ideas in urgent,but we should also see the Internet to the traditional commercial bank finance transition opportunities at the same time.According to its own advantages and disadvantages,make a reasonable plan,is a topic that needs to be discussed,how to exert its advantage,make up for the lack of developmental,together,we need to discuss.In the process of research,this paper first discusses the Internet finance impact on traditional business of commercial bank,think of the Internet finance will rob bank deposits and other finance market share,to carve up the financing of commercial Banks business market,reduce its ability to pay,changing the style of traditional commercial Banks operating at the same time improve the speed of finance disintermediation.And then to the industrial and commercial bank of China heilongjiang branch sales department as the research object,with the heilongjiang branch sales department of industrial and commercial bank carry out specific analysis on finance business,and uses the SWOT analysis method to explore the strengths,weaknesses,opportunities and threats,and that the current heilongjiang branch sales department of industrial and commercial bank on the scale,credibility and customers have stronger competitiveness,however there are still some deficiencies,for example operating level of curing,the bondage of serious city branches business innovation ability;There is a lack of strongbusiness,and every finance business product has no systematic,detailed,in-depth excavation.The product market adaptively poor,each branch of the division marketing each product,the market recognition is low;The lack of diversity of services has squeezed some of the scarce quality customers.In the external circumstance,the heilongjiang branch sales department of industrial and commercial bank is facing an opportunity and a threat.China has carried out a lot of related restructuring activities to the economic development of heilongjiang province as an example it can be seen in the process,the development of local economy gets a lot of opportunities,but also makes the economic development and market development bank to play their own advantages;But the current finance market competition is intense,the expanding in the province and even the national scope,directly reflected in the surge in demand for talent,but its science and technology talent obviously inadequate;In addition,the lack of a personal credit system poses a threat to the bank's expansion.Finally,this paper puts forward the countermeasures for the development of the branch in the future.Second,focus on the use of big data to strengthen your own access to information.Finally,you must optimize the type of business development and streamline the business operation process.Finally,we should pay more attention to the coordinated development of Internet finance and enhance its core dominance in the finance industry.