The Development Countermeasures Research Of The Bank Of SH Direct Bank Under The Background Of Internet Finance

With the continuous development of China's economy,customers demand for the finance also constantly improving.The financial services of traditional banks have not been able to meet the actual needs of the customers better in the Internet era.In recent years,Internet technology has been changing with each passing day,and the model of Internet + financial has given the market a huge imagination space.All kinds of financial innovations came to realize.Financial institutions,non-financial institutions and Internet companies are accelerating their transformation and starting to dabble in Internet finance.By 2018,the number of direct banks represented by banks in China reached more than 100,accelerating competition among financial markets.However,the problem has also arisen.The products and services provided by direct Banks of each Banks are seriously homogenous with no characteristics.There is a widespread problem of obtaining customers hard and costs highly.Banks have no clear direction for the development of direct Banks.Under the background of Internet finance,the Bank of SH Direct Bank,is taken as the research object to study the development countermeasures on the Bank of SH Direct Bank,which has an epoch-making significance for the sustainable development of the Bank of SH Direct Bank.Based on the previous research results,this paper analyzes the existing research results at home and abroad,and provides assistance for the development countermeasures research of Bank of SH Direct Bank.According to the development status of the Bank of SH Direct Bank under the background of Internet finance,it is pointed out that in the development process of the Bank of SH Direct Bank,there are problems such as insufficient Internet financial talents,low brand awareness,imperfect Internet operation mode,lack of innovation and characteristic in products.The existence of these problems seriously affected the future development of the Bank of SH Direct Bank.By means of PEST analysis,investigation and research method,the STP theory,this paper analyzes the problems of the Bank of SH Direct Bank and combines with the application of new technologies in the Internet background,puts forward the development thoughts of the Bank of SH Direct Bank,provides research foundation for developing countermeasures of the Bank of SH Direct Bank.Based on transaction cost theory,long tail theory,AARRR model and platform economics theory,this paper proposes the development countermeasures of the Bank of SH Direct Bank,from the optimization of talent system,clear the customer orientation,integration of the business channels to highlight the characteristics of the product,pay attention to risk control and improve the planning,to solve the Bank of SH Direct Bank problems in their development.This paper aims to analyze the development status and problems of the Bank of SH Direct Bank under the background of Internet finance by combining theory with practice,and to get the development countermeasures of the Bank of SH Direct Bank.Therefore,the Bank of SH Direct Bank will gradually take the lead in the development process in the future,which will provide research reference for the development of direct bank in China and the improvement of comprehensive financial level in China.