Research On Business Optimization Of Industrial Bank Based On Internet Of Things Finance Background

With the popularization and application of the Internet of things financial technology,a new opportunity has been brought to the development of the banking industry.In short,Internet of things finance refers to the interconnection relationship formed in the financial field by using network analysis technology to perceive,identify and track objects.Finally,the results of the analysis are transmitted to the terminal,and the financial enterprise plays a monitoring and controlling role in the development of its business through the manipulation of these effective data.Internet of things finance is the expansion and application of iot technology in the financial field.Internet of things finance breaks the original service model of Internet finance and helps Banks optimize their existing business in the process of development by building a more objective,traceable and intelligent service platform for banking financial institutions Iot finance is the expansion and application of iot technology in the financial field.Iot finance breaks the original service mode of Internet finance and helps Banks optimize their existing businesses in the development process by building a more objective,traceable and intelligent service platform for the banking industry.At present,the competition among Banks is extremely fierce.In order to seize the market quickly,Banks must win the favor of customers with their perfect service system.However,in the process of business development of industrial bank,there are problems such as high credit risk,weak data processing capacity,and the level of intelligence to be improved,which affect and restrict its development.How to optimize the existing business to help it improve and improve has become the focus of the business development of industrial bank.Based on the first pillar Basel: complete coverage of risk assets capital,Marshall's local equilibrium theory,a comprehensive risk management theory as the theoretical foundation,full use of literature analysis,system study and case analysis,from societe generale credit mode,payment and service experience to select the credit,private bank,investment banking and credit card a few representative business are introduced in details.This paper combines PEST analysis method and SWOT analysis method to analyze the main problems existing in its development process,and studies the necessity and possibility of introducing iot finance.By using the financial technology of the Internet of things to learn from the relevant experience of icbc,this paper summarizes and summarizes the main problems affecting the business development of industrial bank of China and the measures taken from the aspects of enterprise operation,credit risk management and data platform construction.Finally,the analysis shows that the business optimization of industrial bank under the financial background of Internet of things has a profound impact on the development of banking business.In this paper,it is believed that Industrial Bank should carry out in-depth research and application in the field of Internet of Things finance in the future,and continue to promote the intelligent construction of branches by actively changing the development ideas,improving the organization and management mechanism,and optimizing the business model.The specific performance is as follows :(1)banking financial institutions should pay attention to research and development ability,develop increasingly rich products and improve their competitiveness.(2)Pay more attention to the supporting value-added services of Banks,not only pay attention to the traditional business,but also pay attention to the supporting value-added services of Banks.(3)More attention should be paid to the investment in scientific and technological innovation.In order to realize the sustainable development of financial business,more investment and improvement should be made in scientific research and technology.(4)Continuously optimize the system reform in management,optimize the personnel allocation of departments,strengthen internal management,and improve the efficiency and quality of management.