The Research On The Financial Challenge Strategy Of China Merchants Bank

As the Internet era,all walks of life all need to actively respond to changes in the development of the Internet.Internet application services,such as large data cloud computing,social networking platform to provide help to traditional industry rapid development,but also longevity far-reaching influence on the traditional economy,"Internet +" model of traditional industry impact is especially striking.Financial industry,has been well above the original store,instead on the social platform using cloud computing services deal with large data,providing products and services.Obviously,financial institutions have realised that the Internet has brought modern financial infinite convenience,even lead to a large number of Internet companies began to enter the financial sector,such as financial,line balance,ali P2P model of online credit.The Internet shows its great charm at the same time,people from all walks of life universal attention on Internet finance,will be linked to the Internet industry and financial industry,can expect to traditional financial industry with the help of the Internet is convenient and openness,open new financial era.This paper based on the platform of economy and modern financial intermediation theory base and a large number of literature material,do a simple explanation of the connotation of the Internet financial analysis,and the present situation and characteristics of the Internet financial development at home and abroad were studied.After the brief introduction of China merchants bank,the operating situation,analyze the existing problems in the development of China merchants bank.Internet financial development under the influence of the impact on the development of China merchants bank,China merchants bank value realization,profit model is threatened,intermediary financing function.In Internet financial challenges and opportunities faced to the China merchants bank,the thorough analysis,the rapid development of Internet public "penetration rates continue to increase," Internet governance has become increasingly perfect,pay the environment to cultivate,improve the customer credit evaluation system brings opportunities to China merchants bank business development,at the same time,also bring a big challenge,such as loan transfer and competition.At the same time,the development of China merchants bank again the advantages and disadvantages of the Internet financial analysis.Through Internet companies at home and abroad for reference,and financial trade deal with Internet experience,the current rapid development of the Internet lead to produce a lot of new things,and each big bank in the Internet age research and development new products,etc.To provide a scientific basis for the establishment of China merchants bank related coping strategies.Finally put forward the China merchants bank deal with the implementation of the Internet financial strategy,and gives the corresponding Suggestions,China merchants bank Internet financial development mode selection on the road to development through innovation fusion,by building a comprehensive financial community service platform,to build the Internet financial security system,to create a new type of Internet financial products,establish a team of professional compound talent,improve the level of China merchants bank Internet financial risk handling,keeping China merchants bank industry leading advantage.