Research On The Transformation Of Commercial Bank's Retail Business Under The Background Of Internet

With the rapid development and wide application of computer and Internet technology,the network has penetrated into all aspects of people's life,affecting and changing the way people live and behave.Under the new era of "Internet +,the financial services industry should make full use of the big data and cloud computing to realize the innovation of financial products and services,including but not limited to mobile phone bank,the bank on the net,and social media tools such as bank.The emergence of mobile payment,the popularity of search engines,social networks,the application of cloud computing,these new technologies are slowly changing the financial service mode,Internet financial arises at the historic moment.Internet financial can effectively improve the allocation of resources efficiency and reduce transaction costs,reduce the middle red tape,promote the development of the financial industry,pratt&whitney is the most important point is the Internet financial finance,customer as the leader of the financial markets involved in the financial markets.Innovation of science and technology is a double-edged sword,however,often can cause certain impact to the traditional industry,for the traditional commercial Banks,financial completely subvert the traditional Internet bank inherent in the business model.This paper selects China merchants bank as the research object.Firstly,the research background and significance of this thesis are introduced,the purpose and methods of the research are described,and the research situation at home and abroad is summarized,and the research ideas and innovation points of this paper are put forward.Secondly,the article expounds the meaning of commercial bank retail business transformation and characteristics,made clear the importance of the transformation of the retail business of commercial bank,summed up the Internet financial impact on the transformation of commercial Banks in China,and expounds the characteristics and trend of the transformation of foreign commercial bank retail business.Thirdly,based on the reality of China,this paper analyzes the current situation of China's commercial Banks' retail business under the background of Internet and sums up the problems in the transformation of retail business of China's commercial Banks.Again,in order to more successful merchants bank,for example,to the transformation of China merchants bank retail business case analysis,elaborated the China merchants bank retail business transformation pattern and the method,the retail business problems existing in the new model and the reference and revelation.Finally,under the background of the Internet in China,the problems existing in the retail business of commercial bank,puts forward under the background of the Internet commercial bank retail business transformation development countermeasures,so as to realize our country commercial bank retail business steady and sustainable development.