Research On The Development Strategy Of ABC Bank’s Retail Business Under The Background Of Internet Finance

In recent years,with the rapid development of our social economy,science and technology progress,the rapid development of Internet technology profoundly change with the development of the society from all walks of life,the concept of the "finance" the Internet is more and more,financial with the increasing number of Internet users of the Internet,mobile phone,PAD and other intelligent electronic equipment upgrading and big data and cloud computing,mobile payment,such as the Internet information technology innovation,has given rise to by the third party payment,such as P2 P,We Chat bank Internet financial new business model.Internet finance has profoundly changed the operation mode of the social economy and People’s Daily life habits,which has exerted a huge impact on the business operation of traditional commercial Banks,especially the retail banking business represented by small and micro enterprises and individual customers.Based on ABC bank zibo branch as the research object,first of all,the Internet financial and banking retail business illustrates the related theory,is the commercial bank under the Internet financial retail business development trend and present situation analysis,the development of the Internet financial on the retail assets business and liabilities business and intermediary business has formed a larger impact.Analysis at the same time the bank under the background of the Internet financial retail business developing problems and causes,through the SWOT analysis to understand its retail business in the Internet under the financial strengths,weaknesses,opportunities,threats,such as the Internet under the financial impact the retail business transformation is imminent,finally according to the development of zibo branch,put forward under the background of the Internet financial retail business development strategy.Zibo branch should strengthen the digital transformation,accelerate the construction of intelligent network,implement the strategy of mobile first,push the client management,intelligent,rich ecological construction scene,do a good job in risk prevention and control of the Internet and speed up the Internet financial innovation personnel training,etc.,deepening financial reform,the Internet so as to continuously enhance the value of the retail business of commercial bank creation ability,promote the development of the retail business better and faster to create good situation of the bank’s stable operation to provide strong support.