Research On Internet Finance Transformation Strategy Of Zengcheng Branch Of G Bank

With the development of Internet technology,Internet finance emerges as the Times require.Internet finance has the characteristics of high transparency,fast timeliness,low cost and convenient operation.Among them,Internet financial business models such as crowdfunding,online lending platform and third-party payment have caused great impact on traditional commercial banks,and the role of traditional commercial banks as financial intermediaries has been diluted The traditional business model can not meet the needs of customers.Under the environment of the new era financial market,commercial banks should combine their own development characteristics It is an urgent problem to formulate the transformation and strategic planning that suits the needs of commercial banks,which must be solved in the process of leadership and decision-making,and the strategy of strategic transformation should be formulated to realize more healthy development.This paper takes the Zengcheng branch of G bank as an example,based on the full understanding of Internet Finance and strategic transformation strategy,analyzes the operation development and transformation strategy of Zengcheng branch of G bank,and draws some conclusions and enlightenment To the relevant industry to play a reference role.Firstly,the paper analyzes the challenge of Internet Finance Development of G bank Zengcheng sub-branch and the problems in the transition strategy by using SWOT and porter's five forces model.Secondly,it takes measures from four aspects: responsible for business strategy,asset business strategy,information resource strategy and risk control,such as liability business strategy,paying attention to user experience,improving service quality and simplifying product operation process Improve product quality,optimize mobile payment business,increase personalization and other aspects.In the asset business countermeasure aspect,designs the rich financial product and the service,vigorously constructs the up and down linkage product research and development system.In the process of personnel training,it is necessary to adopt effective strategy of personnel training,and in addition,it is necessary to pay attention to the management of personnel and reduce the loss of relevant personnel.We should strengthen the capacity building of risk management and control,improve the methods of risk management and control step by step,and effectively prevent and solve the stock risk.Finally,in order to better protect the development of Internet finance transformation of G bank Zengcheng sub-branch,this paper puts forward four-point safeguard measures Mainly has the organization structure safeguard,the human resources safeguard,the information resources safeguard and the risk management safeguard and so on to carry on the implementation.In a word,the transformation of G Bank Zengcheng sub-branch to Internet finance can directly promote the effective development of G bank Zengcheng sub-branch,expand the connotation and space of financial services,and enhance the core competitiveness And to promote the healthy development of the social financial system to make positive contributions.