Study On The Strategy Of Shandong Province Rural Credit Cooperatives Developing The Internet Financial

The internet financial is a new financial service mode which resulted by the internet enterprise applying the internet information technology to the traditional financial industry.It impacts market share of the traditional financial,speeds up the "financial disintermediation";and also,it is conducive to the transformation and upgrading of the traditional financial.Shandong province rural credit cooperative is one of the traditional financial and its advantages are not obvious when compared with the large state-owned banks or other national commercial banks.First,the reform of Shandong province rural credit cooperatives is not yet complete,and the asset size and quality and customer resources are unable to match with them,so the hit which comes from the internet financial are bigger.So it is a practical significance topic that how the Shandong province rural credit cooperatives dealing with the impact and competition of the Internet financial,and actively developing Internet financialBased on this,we take the Shandong province rural credit cooperatives as the research object in the paper,and use the qualitative and quantitative research methods,through analyzing theoretical basis,business model,development status of the internet financial and its influence on the traditional financial,and combining with the management present situation analysis of Shandong province rural credit cooperatives,and the advantages and disadvantages of developing the internet financial.We discussed the influence of the internet financial on the Shandong province rural credit cooperatives.At last,we put forward the development strategy of Shandong province rural credit cooperatives form the angle of system reform,market orientation,product innovation,channel,service,enhance cooperation,talent introduction,risk control,characteristic basis and so on.