Minsheng Bank's Internet Financial Strategy

With the development and popularization of Internet technology,the Internet has become an indispensable part of people's life.In the process of the deep integration of the whole society and the Internet,the Internet financial market has also developed rapidly in recent years.Under the impact of the Internet,the traditional financial service market has been constantly reforming the whole channel.Compared with the traditional financial market,Internet finance mainly serves small and medium-sized enterprises and individual users.The overall market threshold is relatively low,and its advantages in product flexibility are more obvious.This paper analyzes the impact of the development of Internet finance on China minshengbank's(hereinafter referred to as "minsheng bank")intermediate business,liability business and assets business,and analyzes the reasons for the impact.Through analysis the author found that the Internet financial for the impact of the minsheng bank's traditional business is real,compared with the traditional financial business,minsheng bank Internet financial products in the design,operation mode and the flexibility is relatively obvious advantage,thus caused the impact of minsheng bank related business and market performance.Finally,based on the above summary,as well as to the industry,macro and internal three angles of minsheng bank financial development strategy in the Internet environment is analyzed,and the SWOT on the Internet banking business development of minsheng bank existing problems are analyzed,and points out that should be the target selection and implementation of development strategy mode to optimize the Internet financial development of minsheng bank,in order to ensure the implementation of the strategy of quality,this paper puts forward from performance and incentive mechanism,information technology security,organizing system security,brand building,this a few Angle to push the minsheng bank Internet banking business,The financial services of CMBC can adapt to the industrial development trend and market demand in the Internet era,and provide direction and reference for its future development.