Study On The Personal Wealth Management Of Industrial And Commercial Bank Of China Under The Background Of The Internet Finance

With the continuous application of Internet information technology in the financial field,some Internet giants have begun to get involved in the financial wealth management market.In June 2013,Alibaba cooperation with Celestica fund balance of using the Internet information technology design and launched treasure,as the first Internet products of domestic distribution,balance treasure appeared in its "high yield,high liquidity and low threshold" advantages quickly take the traditional commercial bank's financial market,especially the traditional commercial bank financing business is difficult to cover the long tail of the customer.Since the big Internet companies and electric business platform to enter the financial market in succession,take "the Internet company + fund + mobile terminal" works take financial market launch all kinds of Internet financial management products,in this context,represented by the balance of treasure of Internet financial products attracted a part of the traditional commercial bank financing products customers,make the commercial bank financing business by a certain impact.With "Internet +" trend of strengthening domestic economy,with industrial and commercial bank has also begun to varying degrees,depending on its wealth-management business situation of applying Internet technology to financial products design and development,and gradually shift financing business management concept,the "Internet +" thinking into the wealth-management business development process,therefore,to study the influence of the Internet financial management products of commercial Banks is of certain practical significance.At present,most of the academic studies on the impact of Internet financial products on commercial Banks are logically analyzed in theory,and most of the concepts of Internet financial products are not clearly defined or clearly defined.Based on the study,considering the as in all kinds of financial institutions to enter,and Internet finance market has showed a trend of diversification of the situation,it is difficult to analysis the original Internet financial management products of commercial Banks,as a result,the paper this paper again and then define the meaning of the Internet financial product,type and in industrial and commercial bank,for example,using the SWOT analytic method to research the Internet financial services and the advantages and disadvantages between the industrial and commercial bank of personal finance,the opportunities and challenges,puts forward the main problems of the current commercial bank individual financing business development,This paper USES theoretical analysis and empirical test to study the development strategy of icbc's financial services under the background of Internet finance.It is suggested that Banks attach importance to and face up to the impact of Internet finance from the strategic height of economic and financial market development and seek opportunities in the challenges.While inheriting and carrying forward the traditional advantages,we should strengthen the innovation of financial products and optimize the capital management structure.Accelerate business network reform and business process optimization;Focus on inclusive finance to enhance brand competitiveness;We will deepen cross-border cooperation and work with Internet companies to learn from each other's strengths.Establish information management system by integrating Internet thinking and technical means,improve customer behavior preference analysis,improve service level,expand business channels,reduce operating cost and improve operating profit.Use the platform of Internet information technology to promote the development and promotion of customers and promote the promotion and marketing of personal finance products.Through the development of electronic banking to reduce bank operating costs,improve basic work efficiency,optimize customer service experience,and expand personal finance services.Yu 'ebao-based narrow sense of the Internet financial products on icbc financial services.The research results show that in the short term,Internet financial products have a negative impact on commercial Banks' financial services,but in the long term,Internet financial products can promote the development of commercial Banks' financial services.According to the research results is proposed under the background of the Internet financial countermeasures and Suggestions to promote the development of industrial and commercial bank financing business,the rapid development of China's information industry,the Internet payment system at the forefront in the whole world,especially the younger generation grew up in the Internet age slowly growing backbone for the social from all walks of life,this to our country commercial bank to introduce a new means of network marketing,to develop the electronic banking business,improve the economic benefits of the Internet financial provides a powerful opportunity.