Prospect Forecast And Strategy Analysis Of The Development Of Network Finance In C Commercial Bank

With the wide application of new technologies in daily life such as cloud computing,big data,block chains and artificial intelligence,the life and work styles of the common people are changing,affecting the development direction of various industries,and creating many new business models.The rapid development of internet finance has greatly affected the business model of traditional commercial banks.Commercial banks are facing changes of customer composition and business structure,which are forming new challenges as well as new opportunities.In the internetera,how to seize the opportunity to develop new internet financial formats to meet the increasingly differentiated financial needs of customers,is one of the most important strategy to improve the core competitiveness of commercial banks.And this is an urgent issue to solve.This study will analyze the importance of developing the network financial business to the bank from the aspects of the history and current situation of C Commercial Bank,as well as from the changes of internal and external environment.This study will analyze the development ability of the network finance of C commercial Bank from various aspects,including comparing its advantage and disadvantage with its competing counterparts.It is found that C Commercial Bank has the advantages of flexible management system,good asset quality and strong willingness to persuedigitalizing reform.By analyzing its customer resource and business structure,we studied the direction and strategy of developing network financial business of Bank C under the background of the internet economy.Our study clearly puts forward the focus of the development of its own network financial business.It is concluded that the development strategy of Internet financial business of C Commercial Bank is to innovate the application of science and technology and business model,and construct ecological financial platform.Some suggestions are put forward to promote the implementation of financial ecological platform services systematically in terms of technical means,organizational structure,risk management,service modes and human resources.This paper takes the development of network finance of C commercial bank as the research object,coming out with the opportunities and challenges of developing network finance of commercial bank,and draws the conclusion that the development strategy of constructing Internet financial ecological platform is to gradually explore a feasible way of thinking suitable for its actual development from practice,which will be an effective way for the sustainable development of Internet finance of C Commercial Bank.This study can also provide some reference for other commercial banks to develop the innovation and development of network finance.