Research On The Internet Finance Development Strategy Of Yuhang Rural Commercial Bank

In recent years,the internet financial has gained rapid development relying on Internet technology,and its pattern is also in constant change and development.At present,the traditional rural commercial bank's business model by the Internet finance especially the third party payment,network financing and channel business model challenges,which accelerate the rural commercial bank using Internet plus the development of Internet banking,the pace of development.Major banks have been through self built electronic business platform,launched online banking and class balance treasure products and other services to develop their own Internet banking innovation path.Based on the influence of Internet Finance on the traditional business of financial institutions,this thesis expounds the relationship between the financial industry of Yuhang rural commercial banks and the Internet economy of platform economy and so on.From the aspects of deposit,loan and payment settlement of traditional banking business,Yuhang rural commercial banks caused by the impact.This paper analyzes the main advantages and disadvantages of Yuhang Rural Commercial Bank by means of SWOT analysis,comparative study and qualitative and quantitative methods.On this basis,it puts forward the development strategy and management innovation channel of Yuhang Rural Commercial Bank to deal with Internet finance.Through the study of the essence of Internet finance,the main mode of Internet finance,the theory of internet finance and the development of Internet financial business,it is concluded that the development of Internet finance is in line with the law of financial development.It is also the trend of the situation,Rural commercial banks on the initial exploration of Internet finance,and ultimately put forward Yuhang rural commercial banks to further develop the path of Internet finance.The conclusion of this paper can provide some enlightenment for the development of internet finance for Yuhang rural commercial banks.