| Compared with traditional banks,the initial investment in Internet finance and the total cost of infrastructure construction are lower,and the threshold required is lower,mainly because Internet finance has unique operation mode and technological advantages.A certain amount of customer resources can help Internet finance to accelerate into the normal operation track,quickly start their own business work.In view of this,the traditional commercial banks face the severe situation,should comprehensively and deeply analyze their own advantages and disadvantages,and find the core competitiveness as soon as possible to resist the impact of the Internet.The traditional commercial banks first see the current market trends and find strategic transfer in the era of Internet Point,through the comprehensive analysis of the operation mode of traditional commercial banks,to formulate a scientific and effective transformation program,in order to better seek development in the new era.With the development of market economy,traditional commercial banks began to further transform and upgrade,actively develop various new products of the Internet,and transform the original service model.Bank A is a city commercial bank in Shandong Province,the business aspect mainly faces the local small and micro enterprise and the city resident,the scale is small,under the Internet finance background,its faces the challenge and the pressure is enormous.Generally speaking,the volume of business and the scale of business are relatively small,the form of business is single,the comprehensive strength is difficult to compare with the large financial institutions,especially under the impact of the current information age wave,a large number of online business platforms have developed their payment tools and financial products,which makes many customer resources for A commercial banks to carry out financial management are encroached on.A commercial banks have been hit hard on profitability,many rely on And the traditional spread income to support the banking business model will face a serious dilemma,and how to seek a better way to survive and develop,it has become A commercial banks have to think deeply.Aiming at this problem,this paper discusses how A commercial banks should analyze their own advantages and disadvantages under the background of the current information age,actively explore new profit models,and realize the transformation of traditional banking business through the reform of profit models.and achieve the strategic goal of sustainable development.This paper first studies the theories about the profit model of commercial banks in the world,and determines the research methods and ideas of this paper.Then,through field research,this paper studies and analyzes the current situation and existing problems of the profit model of Shandong A commercial banks under the background of Internet,and determines the overall conception,strategic objectives and concrete measures of Shandong A commercial banks in developing profit model,and further explores the ways of business innovation.In the end,the article generalizes and summarizes the whole content,and carries out theoretical prediction and analysis on the future theoretical research direction.According to the research in this paper,although Internet finance is Development of the times,grasp the current business in the market,but Bank As in the basic letter superior to the Internet financial enterprises.Large-scale grass-roots network sound team building,good financial power and financial credibility of Internet financial enterprises in a short period of time can not obtain.If A commercial banks can give full play to their own advantages,take advantage of their strengths and circumvent their weaknesses,optimize the network platform,combine their own advantages with the Internet platform,so as to obtain more development opportunities,seize the favorable position of the market,and make them have a certain share in the market. |
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