Feasibility Analysis And Countermeasure Research Of Our Country’s Direct Banks Promotion

The Internet is full integration into all aspects of people’s social and economic life, while also quietly changing the pattern of the traditional financial sector. With 2013 the first year of Internet banking curtain opened, more and more Internet companies have been involved in the financial sector, along with the pace of financial reform forward, more and more companies outside the financial industry after another, all hoping to share a cup soup. Financial menacing face of the Internet wave, the traditional banking sector must strive to make a change, to accelerate the development of Internet-based financial needs in order to adapt to the new pattern of the Internet era. Direct bank with a positive and innovative spirit of the Internet, virtual platform operations to reduce operating costs for our customers to achieve higher economic returns and high focus on customer experience and other advantages of becoming one of the important ways of internet banking. It not only enables Internet technology and new integrated financial services and more banking accelerate financial reform has injected new vitality.According to Western countries in recent decades the development of the bank’s successful experience in direct sales, through to the physical, low-cost, high-efficiency, high rate of return, high service quality and other characteristics of its advantages tremendous achievement. Our early 2014 just to get involved in this emerging field, after less than a year of development, has already had nine commercial banks to set up a direct banking division, the direct bank gradually play a role in the market and have had some success. But on the whole development efforts were not enough, the pace of financial Internet is too slow, direct sales force to promote the bank’s still too thin.This article is based on the above reasons, the in-depth analysis of the direct banking success abroad combined with the current status of the development of domestic direct banking, to make a detailed analysis and demonstration of its necessity and feasibility of domestic development and promotion in. And its possible problems in the development process for in-depth analysis, and finally to deal with the actual propose practical countermeasures. In this paper, on direct bank has certain reference value in the development and promotion of research in our country and the reference value, hoping to make other bankers to be inspired.