The Analyzes Of Banking O2O Model

Since 2014,the development of Chinese economy has officially entered a new normal.Based on a situation like this,the overall risk and the profitability in commercial bank are facing new challenges,especially under the background of Internet +,which Internet financial enterprises are nibbling traditional service in commercial bank,the past business development model has been unable to continue.So,under this kind of new normal,commercial banks must introduce a new development model if they want to maintain a healthy and stable development.This paper begins with the analyzes of the O2 O model,and explains the application in various industries.It analyzes the patterns and features of the banking industry's application of O2 O and the future trend of the banking industry to develop O2 O model.The application of O2 O model in ICBC branch in Shandong province,including the e-ICBC strategy,which means build "three platforms,one center" as the main body,set up five fictions that include payment,financing,financial services,business,information,in one line and make it a service system that can connect online and offline,establish and improve the mechanism for large data applications to form a more complete internet financial services and operating system.Next analyzes the internal and external environment of the industrial and Commercial Bank of China,and carries on the SWOT analysis to the Internet financial enterprise.The conclusion is that although there are certain advantages of ICBC,it also has a big gap between the full-time electricity suppliers.ICBC should develop in the era of Internet+,and give full play to the advantages.It not only needs to develop online market but also need to increase the intelligent network transformation,to achieve the integration of Online to Offline network reform.In addition,the principles,frameworks and measures of reform are also elaborated.This paper has practical significance to how commercial banks to develop O2 O model and promote the integration of online and offline services.In addition,takes the ICBC's eICBC strategy as a reference,is conducive to other commercial banks to enhance their competitiveness better and achieve sustainable development.