Study On Financial Development Strategy Of AGRICULTURAL Bank Of China ZB Branch

With the emergence and maturity of artificial intelligence,cloud computing and other technologies,the financial needs of consumers are increasingly diversified.How to provide financial products and services based on intelligence and scenario-based is a necessary choice for banks to enhance their competitiveness.In recent years,with the integration of traditional financial products and services with big data,cloud computing and other elements,the pace of financial internetization has accelerated,and financial services are increasingly closely linked with People’s Daily life.The concept of scene finance emerges at the right moment.Many Internet companies,such as Alibaba,Tencent and JINGdong,rely on their huge user groups and resource advantages to develop rapidly in the field of scene finance and establish a huge leading edge.A series of scenarioalized financial products and services,such as Alipay and wechat Pay,have been integrated into the daily consumption of consumers and changed every aspect of their lives.However,when the focus is on traditional banks,due to a variety of reasons such as scale and system,their product innovation,product sales,development and operation are more promoted by artificial means,while scene finance starts late.Therefore,this paper takes Agricultural ZB Branch as an example to explore the important role of scene finance in the development of banking industry and put forward improvement strategies.This paper first analyzes the research of domestic and foreign experts on scenario finance,then analyzes the concept and characteristics of scenario finance,summarizes the development environment of China’s scenario finance,and the impact of scenario finance on the business operation of agricultural ZB branch;By summarizing the current situation of the development of scene finance,the main participants of the current scene finance and four construction modes of scene finance are introduced.This paper analyzes the main problems and potential risks in the scenario of agricultural ZB branch finance in China.On this basis,it also analyzes the financial development environment of THE AGRICULTURAL Bank of China ZB branch scenario,that is,the strengths,weaknesses,opportunities and threats of the financial development of the scenario are summarized by using PEST and SWOT respectively.Finally,the SWOT strategic countermeasures to solve the problems in the financial scenario of the Agricultural Bank of China ZB branch scenario are constructed on this basis.That is,from the linkage of online and offline scenes to strengthen the advantages,give full play to the advantages of capital,the overall planning of scene finance,to solve the problem of poor integration of scene and finance;At the same time,with the help of self-built or co-built scene financial platform,the scientific and technological ability is strengthened,the talent team is established,the operation mode is innovated,and the user experience of scene financial is increased.Moreover,it strengthens the construction of organizational assessment system and implements differentiated marketing to improve the financial performance level of the scene.This,to some extent,promotes the realization of financial empowerment by ZB Branch combined with its own reality,and promotes the coordinated development of main business and scene finance of ZB Branch of Agricultural Bank of China.