Mobile Era Of Financial Competition Strategy Research Of X Bank

The Internet is through various means erosion affects our economic and financial life, the electronic information of financial tools and services to the traditional financial sector, such as all kinds of search engines, cloud computing, electronic payment, large data information and electric business platform, and so on, which appeared on the market the third party payment of small loan companies, electricity, balance, P2P mode, micro letter bank new financial models such as the Internet. In this context as the rapid growth of the mobile phone and usage of all kinds of mobile terminal, the traditional financial sector has risen from Internet financial1.0jump to mobile3.0, with micro letter to pay, pay treasure to purse as the forerunner of mobile financial sector also started a vertically integrated, with fragmentation, intelligent, service as the core of a new round of market changes and competition. Commercial bank is no longer a customer the only way to handle the deposits, loans, settlement business, at the same time as the financial and the acceleration of the mobile Internet fusion constantly produce a large number of new financial business requirements, the commercial Banks in the mobile financial environment of customer marketing, trading operations, business development, wind control management mode are put forward new requirements and challenges. In this background, this paper summarizes the connotation of mobile financial, combing the development background and framework, its development present situation and future development trend are analyzed in detail, and on this basis to further study the mobile financial direct financing and indirect financing in the commercial bank, financial disintermediation, means of payment and the profit model of the impact of commercial Banks. Finally using the SWOT method to analyze mobile X commercial bank financial environment existing strengths, weaknesses, opportunities and challenges, on the basis of proposed X commercial Banks to deal with mobile financial competition strategy, hope for the development of commercial Banks in the era of mobile financial X prospect and facing new competition situation to provide some reference.This paper consists of six chapters: The first chapter is the introduction.Including the research background and significance, research ideas, structural arrangements, research methods and theoretical basis.The second chapter, the development of mobile financeThe connotation, including the background, status quo of development of mobile finance, mobile domestic financial development from the macro and micro operation layer facing the impact of commercial banks and the future development trend.The third chapter, the development situation of X bank, the basic introductionIncluding the basic introduction and development of mobile financial services in Xbank.The fourth chapter analyzes the strategic environment of X bank to deal with mobile financial servicesThe main analysis of the X Bank Internet banking era in their strengths and weaknesses and external opportunities and challenges for the scientific basis, to develop strategies to adapt to their own development needs.The fifth chapter, the competition strategy of X bank to deal with mobile financeIncluding practice, X bank has been in the field of mobile financial future development orientation and development ideas.The sixth chapter is conclusion and Prospect...