Research On The Transformation Development Strategy Of China Postal Savings Bank In Hebei Branch Under The Internet Financial Environment

In the mid-1990 s,the emergence of the first Internet bank in the United States set off a wave of Internet finance development in the world,which is the first year of Internet finance.Subsequently,along with the continuous prosperity of the domestic e-commerce industry,the pace of China's Internet finance has quickly passed through the three stages of germination,development and prosperity,has exerted far-reaching influence on the operation of traditional financial institutions such as the banking industry.Through careful study of relevant literatures at home and abroad and the theory of strategic transformation of enterprises,has a comprehensive understanding of the concept,development process and internal advantages of Internet finance,and analyzes the financial status and operational capabilities of Internet Finance for the Hebei Branch of the Postal Savings Bank.The specific impact of various traditional business developments clarifies the need for strategic transformation in the wave of Internet finance.In the process of studying the specific transformation strategy,the article conducted a SWOT analysis of the Hebei Branch of the Postal Savings Bank,and sorted out the postal bank's Hebei branch in the context of the rapidly changing market environment and the booming development of Internet finance.The internal status quo is not long and the degree of specialization is not high,and the advantages,disadvantages,opportunities and challenges faced by the enterprise transformation are carried out.The conclusion takes "problem-oriented" as the path and "due to the policy" in the process of solving the problem,puts forward relevant suggestions and solutions,including "Implementing technology-led strategy,taking the road of technology development","Building Professional team,enhance competitiveness","Strengthen financial product innovation,promote service upgrade","Further risk management,ensure stable development of business" and other.It pointed out direction for the Hebei Branch of the Postal Savings Bank and clarified the measures.