The Study Of Development Strategy On XY Community Bank From The Perspective Ofinternet

With the deepening of the interest rate liberalization process and the increasingly stringent external supervision,the banking industry has gradually accelerated the pace of transformation and has chosen to develop retail finance as the direction of transformation.Among them,community bank,as the main channel for developing retail business,has been adopted by major commercial Banks in recent years and has become more and more familiar.But with the advent of the era of Internet,the development of the Internet and the impact of the financial sector,to a large extent also restrict and affect the development of community Banks,Internet financial quickly catch up with its advantage,let residents and small and medium-sized enterprises have diversified to choose,to a large extent restrict the development of community Banks and banking.According to this,domestic community banks should make full use of and learn from the Internet thinking,Internet technology and the operation mode of Internet finance to complete their own transformation,so as to expand the customer range,innovate the product model,implement precision marketing,and realize the strategic transformation of community Banks.Research on the development of community Banks can not only help solve the difficulties in the transformation of China's banking industry under the current situation,but also promote the healthy and orderly development of the economy and ensure the stable operation of the financial system.The purpose of this paper is to promote the commercial banks from the perspective of Internet and Internet financial operation mode to improve management level and service ability,innovative business model,community Banks provide convenience for community residents and small micro enterprise service,promote the development of inclusive financial.This article summarizes the current development of community Banks at home and abroad and the experience for reference,summarized the development of the Internet and the impact on the banking sector,analysis the XY bank general situation of the construction of community Banks,operating performance and operation mode,analysis under the background of its Internet features,through the SWOT analysis was carried out on the XY bank community Banks after put forward four kinds of strategy,finally,in accordance with the strategic goal of community XY bank proposed the XY bank under the perspective of the Internet community banks coping strategies.In this paper,according to raise questions and analysis problem and solve problems,analysis and use for reference the experience of domestic and foreign advanced development of community Banks,significant for XY bank community bank,the proposed strategy measures and suggestion to some extent can promote the XY bank community Banks to some of the impact of Internet development.