Research On The Development Strategy Of Personal Credit Consumption Loan Of Xuzhou Postal Savings Bank Under The Background Of Internet Finance

Internet finance is a new financial business model at present.Its emergence is based on the integration of Internet and traditional finance.The continuous development and progress of Internet finance make traditional finance face unprecedented challenges in the process of development.Xuzhou postal savings bank,as one of the representatives of the traditional local banks,its traditional financial business has also been greatly affected,including the development of personal credit consumer loan business in recent years.Therefore,based on the background of Internet finance,this paper analyzes the current situation of personal credit consumption loan of Xuzhou postal savings bank,summarizes the influencing factors of the development of Internet Finance on personal credit consumption loan of Xuzhou postal savings bank,and finally puts forward the development strategy of personal credit consumption loan business of Xuzhou postal savings bank under the background of Internet finance.First of all,based on the research of domestic and foreign literature,this paper further combs out the current development trend of Internet Finance in China.Secondly,through the analysis of specific data,this paper expounds the current situation of the development of personal credit consumption loan of Xuzhou postal savings bank in 2015-2019 from the four aspects of stock customer,stock balance,customer repayment method and overdue situation of personal credit consumption loan of Xuzhou postal savings bank,and explains the opportunities and challenges brought by the development of Internet finance to postal savings bank The impact of financial development on postal savings bank.Finally,SWOT analysis is used to analyze the advantages,disadvantages,opportunities and challenges of the development of personal credit consumption loan business of postal savings bank under the background of Internet finance,and put forward corresponding development strategies from these four levels.There are 15 figures,6 tables and 65 references in this paper.