Internet Development And Research On Business Strategy Of Chinese Community Banks

With the rapid development of China's national economy,great changes have taken place in the financial industry,in the process of deepening the reform of financial policy,community banks have gradually entered the vision of ordinary people,and has been accepted and recognized by the general public.Moreover,due to the increasing intensity of competition carried out by various commercial banks in the field of community banking and the marketization reform of financial interest rates,the main profit sources of traditional commercial banks,that is,the profit of deposit and loan spreads,have been reduced,which has led to the reduction of the profitability of traditional commercial banks.In particular,the deep popularity of the internet,relying on the Internet platform,many traditional industries to obtain new vitality and development opportunities,"Internet+" model has been widely used in many industries.The banking industry relies on the Internet financial model to obtain new development opportunities and development space.Therefore,traditional commercial banks must continuously update the concept of development,accelerate the transformation of business patterns and operating models,especially pay attention to new business models such as community banking,invest more resources,and explore the strategy of establishing and developing community banks.This article selects N City Community Bank as the research object,in view of the problems faced by the Community bank in the operation and development,such as the confusion of concept,the non-differentiated business model,the homogenization of products and services,the low level of service positioning,as well as the inadequate integration of community banking and community,the lack of analysis of the Conmunity financial business market,and the material impact of internet finance,trying to explore the countermeasures from the perspective of Internet and using Internet thinking,we hope to be able to find an effective and feasible strategy to solve the problems facing the development of community banks through research and analysis,and to explore the perfection of the overall system level of China's financial industry,and to embody the practical value of the research work.This paper analyzes the market demand of financial products of community residents in N city,uses questionnaire survey analysis method,combines theoretical knowledge,proposes the research strategy of N city community bank business development,builds the scenario jBnancial product system of community bank based on Internet platfonn,builds file scenario service channels of community bank based on Internet platform,and optimizes the external business environment of community bank based on Internet platform,the rationalization suggestions are proposed in combination with theoretical basis and practical experience to explore the development strategies that community banks should adopt in response to the impact of Internet financial models.