Research On The Adjustment Of The Development Strategy Of Jiujiang Rural Commercial Bank Under The Internet Background

In recent years,has had a profound impact on the development of the Internet as a prominent representative of the information technology to the society,happened to turn the world upside down changes in the high-tech fields,especially social networking and cloud computing these new forms,greatly reform social service mode.The impact of the economic development of the new normal and Internet banking,Jiujiang rural commercial bank also faces enormous development challenges.Whether in the policy environment,economic environment and customer behavior and business model,are undergoing significant changes,brought a severe test to the development of Jiujiang rural commercial bank.Based on this,the article has conducted the research to the Jiujiang rural commercial bank development strategy,the research data by questionnaire investigation,SWOT analysis method was used to analyze the Jiujiang rural commercial bank development environment,and gives the bank development strategy recommendations.The analysis results show that the macro environment the overall development of Jiujiang rural commercial bank is good,need to further strengthen the development of the Internet financial services,strengthen the informatization construction bank.Jiujiang rural commercial bank is one of the oldest bank in Jiujiang,the integrity of business for many years has accumulated a lot of loyal customers for the bank,there is a good brand image.But at the same time,with the impact of the development of Internet technology and the third party payment platform,under the background of Internet development in Jiujiang rural commercial bank also exposed many shortcomings,such as lack of product innovation,unreasonable institutions and financial products,instead of a serious loss of customers.To this end,this paper gives the development strategy of Jiujiang rural commercial bank,to continue to serve the "three rural",rooted in Jiujiang as the basis for further upgrading and development of the Internet financial services,to create high-quality Jiangxi bank.The first is the strategy of "five bank",the Jiujiang rural commercial bank into a regional leader,quality efficiency,innovation driven,standardized management and harmonious sharing bank.Then,the introduction of the third party payment strategy,through cooperation with the third party payment platform,to make up for their lack of development.The last is the provincial service platform strategy,build small banks + big platform mode,online and offline to build service platform,in order to speed up the development of Jiujiang rural commercial bank under the background of internet.At the same time,this paper gives the safeguard measures for the implementation of the strategy,these measures include: to build Jiangxi province quality trading platform,build interbank paymenttransfer platform,strengthen the cooperation with Internet companies,online and offline channel innovation,sharing customer group etc..Through these strategic and security measures,the rapid development of Jiujiang rural commercial bank can realize its Internet banking business,in the rapid development of information today,can make full use of the Internet to bring the advantages,strengths,strategic development bank.The research of this paper has important reference value for the development of Jiujiang bank under the Internet background.