Research On The Transformation Of A Bank's Grassroots Network Under Internet Finance

With the continuous development of economy and society,the world has entered into the Internet Era.The Internet Finance has a rapid development under the this kind of background,then Internet financial companies came into being in recent years.Alibaba,Tencent and Baidu have gradually launched their own internet financial payment platform one by one.Internet financial companies rely on the advantages of its platform and technology to innovate constantly based on customer demand,it has greatly reduced the cost of financial transactions.The Internet micro finance and investment banking business are gradually rising,the business of traditional commercial banking has been permeated by the Internet financial company.In accordance with the current development trend of penetration,there may produce a possibility that it will even replace the traditional commercial bank service,bring great pressure to the traditional commercial banks.This paper starts from the theoretical basis and practical analysis of the transformation of the banking grassroots network,and respectively makes an analysis from the Internet financial overview,the basic theory of the transformation of the bank's grassroots network,the practice of the transformation of the bank grassroots network.It focuses on the Internet financial impact on banks' grassroots network management,and has pointed out that the Internet financial company of Internet financial and traditional commercial banks to compete for the market is inevitable,and the A bank to speed up the transformation of necessity and urgency.In this case,it elaborated firstly the Internet financial processing mode of high efficiency,low cost,simple process operation,and in addition it has a large number of transactions and credit data,a huge user base to supply the insufficient service of traditional commercial bank.The traditional commercial banks have numerous advantages including credit brand effect,strong risk management ability and capital strength.Secondly,based on the current situation and the basic analysis of the A bank,this paper makes a detailed introduction to the development of A bank,and analyzes the current situation of the transformation of the A bank.It focus on the study of layout and function of the network analysis,network customer groups,service analysis and network problems.At last,the paper puts forward the scheme design and the concrete implementation scheme of the A bank's grassroots network transformation.Due to the time of development of Internet Finance business is relatively short,and the relevant data and information is not sufficient,and I have limited capacity on this field,the relevant theory and analysis is still inadequate in the text,I hope you can give me some criticism,also hope that it can enhance the strength of A bank in the financial sector through the analysis of the basic strategy of A bank Internet Finance development.