Research On The Development Of Direct Bank In Bank Of Hebei

With the Internet technology continues to progress and deepening financial reform, China’s financial market has undergone tremendous changes. First, a large number of Internet companies began to get involved in finance, by virtue of its platform advantages and traffic advantages to domestic traditional commercial banking tremendous impact and challenges. Secondly, the Chinese are now in the economies in transition, the traditional banking sector have also emerged NPL ratio to rise and the problem of declining profitability. Again, many of the new financing model began to appear in people’s vision, these new financing model, while enriching the Chinese financial market, but it also brings a lot of controversy, such as 2015, has been controversial P2 P network lending platform.In order to seek new profit growth point, traditional commercial banks to accelerate their pace of reform, intensify and accelerate the combination of the Internet, to launch its own direct banking platform. Direct banking platform as a virtual network platform, not only to bring more customers to the bank, but also can reduce bank operating costs for the bank to inject new vitality for customers with a more transparent and high quality service.Foreign direct development bank earlier operating direct banking platform is relatively mature, and time-related aspects of the theory are very rich, but China in 2013 began to involve in this area, after three years of development, China launched a large number of traditional banks direct banking platform, but as Hebei Province Gyeonggi powerhouse, developed direct bank is relatively backward, only two city commercial banks to launch direct banking, the two banks are the banks and Hebei Langfang Bank. Based on this reason, the paper launched Hebei Bank Direct Bank analysis, starting from the theories and concepts of direct banking, combined with China’s national conditions and research status at home and abroad, drawing on the experience of advanced direct marketing banks to direct banks own characteristics and advantages were the simple terms of that moment not only for the development of direct banking Hebei Bank is a rare opportunity, but also has great significance for financial reform Hebei banks.Now I have a great deal of research and literature, but also to experience more than 40 direct banking platform, understand the strengths and weaknesses of his line of direct banking platform, combined with the actual situation of the bank’s direct banking Hebei, Hebei Bank Direct Features and difficult banking platforms were analyzed, and combined with the current financial and economic environment, we put forward reasonable suggestions. I hope to Hebei bank direct banking platform in the deepening financial reform era provides a unique perspective and some ideas, so that the Hebei bank to a more diversified direction.