Research On Internet Finance Development Strategy Of ICBC

With the development of Internet technology,the Internet financial model has rapidly emerged,changing the domestic financial system and causing challenges and challenges to traditional banking services.In order to cope with this challenge,traditional commercial banks have paid more attention to the development of Internet services and established a strategy for Internet finance development.However,with the advancement of the Internet finance strategy of commercial banks,the situation of the impact has not improved.Because Internet banks are implementing Internet finance strategies while commercial banks are implementing Internet finance strategies,they are better than commercial banks.When commercial banks are still building platforms and product innovations,Internet companies have moved from P2 P online loans to the blue ocean in vertical areas and the era of deep-seated scenes.Compared with Internet companies,commercial banks have insufficient Internet finance strategies.Under the new development trend,it is of practical significance for commercial banks to rely on their own advantages and characteristics to develop Internet finance.This paper takes the Internet finance development strategy of ICBC as the research object.The research is based on studing the relevant literature of strategic management theory and development strategy theory,and on this basis,making in-depth research and Discussion on the implementation,existing problems and the next development direction of the Internet finance development strategy of ICBC.Firstly,the paper analyzes the problems existing in the Internet finance development strategy of ICBC under the new situation.Through the analysis of the causes of the problems,it proposes to use the strategic upgrading to solve the problems existing in the current strategy,and the direction of the strategic upgrading is scenario co-construction.Secondly,using PEST and SWOT analysis models to analyze the macro-environment and micro-environment of ICBC's Internet finance strategy upgrade,determine the strategic choice of ICBC's Internet finance upgrade and development,and further verify the use of scene co-construction as a breakthrough to promote Internet finance strategy.The feasibility of the upgrade.Finally,combining with the results of the previous analysis,the paper constructs an Internet finance development strategy based on scene co-construction,formulates the specific implementation strategy under the strategy,and combines relevant practice exploration to propose strategic implementation guarantees and countermeasures,including: development of Internet scene finance C End mode;build an integrated information interaction application platform;strengthen professional collaborative management;improve the Internet financial strategy upgrade mechanism;strengthen external cooperation risk management and control.