Research On The Development Strategy Of Bank A’s Agent Transaction Platform

With the increase of per capita disposable income and the change of the main body of Internet consumers in China,the overall consumption structure of our country has been upgraded in two aspects.On the one hand,it has gradually upgraded from the original survival-oriented consumption to the development-oriented consumption,on the other hand,it has gradually upgraded from the original material consumption to the service-oriented consumption.Thanks to this,P2 P,O2O,crowdsourcing,block chains,rapid development of consumer finance and other online trading scenarios and financial formats have become the mainstream.In order to seize the market,third-party payment companies have also designed and launched more extensive online and offline consumer payment scenarios,broadening consumer payment channels,and strengthening the payment stickiness.The continuous upgrading of the consumption structure and the new consumption scene bring about a great impact on the traditional payment business of banks,prompting banks to rearrange the payment business to adapt to the new trend of the Internet + era.This paper combines the development and design of A bank’s agent trading platform,first uses PEST environment analysis method and Porter’s five-force model to analyze the internal and external environment of A bank’s agent trading platform,and according to the current situation and problems of the platform,through SWOT analysis,obtains the possible development strategy of the platform,and then according to the battles of different stages of the platform.Strategic objectives,clear competition strategy content.According to the characteristics of agile development and rapid iteration,and relying on enterprise resources and technological advantages,the development trend of Internet platform products at present is to develop Internet product layout and emerging business market in the related financial field of Bank A.By exporting complete technical solutions,low cost and high cost can be achieved.Income,unlimited replication of the development strategy,and ultimately to achieve technology-led,to provide customers with better financial services.The paper also puts forward the scheme to ensure the implementation of the platform strategy from three aspects: process and system,technical guarantee and benefit evaluation.This paper provides a useful reference for the development strategy of Bank A’s agent trading platform,as well as for the development of similar trading platform.