Research On The Strategic Adjustment Of The Chartered Bank In The Context Of Internet Finance

Recent years, with the development of information technology, domestic Internet financial business has developed rapidly, put Forward a challenge to the traditional financial industry business model, especially to the small and medium-sized banks.The Internet Finance, established on modern information platform, in the orm of Internet payment, online banking, the financing, P2P net oan, Internet insurance, Electronic commerce lending, Investment and Financing, with the spirit of "open, equality, cooperation, share", With "high ransparency, convenient, fusion collaboration, strong popularization, lower ;ost, service diversity" as the main characteristic, has changed the payment ransactions, capital transactions, financing and other traditional management node, expanded the social financing from the direct financing and indirect Financing to the Internet financing, also promoted the mutual integration of nternet technology and the financial industry. The internet finance caused ’catfish effect" in the financial sector, leaded to the reform, transformation and upgrading of financial sector, brought the huge impact to the traditional banking business.This paper based on the rapid development of the Internet finance, on the basis of the Internet finance connotation, basic theories and research esults, the development venation, and its mode of operation and operation characteristics, focused on the influence on the banking industry, especially on Baoshang Bank. This paper analyzed the foundation of development, operating status, development environment and the challenges that BSB is facing, discussed on the direction and the development idea of BSB’s business strategy, researched on the path of eform, countermeasures, innovation of products and services, and mode of operation, put forward useful suggestions for the development of BSB.