The Strategy Research Of CQ Bank Under The Background Of Internet Finance

In recent years, through mobile payment, search engines, big data and cloud computing, social network based on the new generation of Internet technology, Internet companies will gradually infiltrated the traditional finance service, the third party payment, electricity balance of small loans, P2 P, treasure, such as micro letter bank Internet financial model arises at the historic moment. As Internet financial development faster and faster, the customer is no longer the procedures for commercial bank as the deposit, loan, transfer the only choice of the business, this will be the bank customer marketing, trading services, business development, the transformation of the internal management patterns, such as the formation of reversed transmission effect, in addition to financial and accelerate the convergence of the Internet has also made great emerging demand for financial services to out.In this background, this article summarizes the related Internet financial concept, characteristics, and the theoretical basis for the development of the Internet financial, introduces in detail including traditional financial business online, the P2 P mode, the raise pattern, three kinds of Internet financial model development present situation and future development trends, and on this basis, in-depth analysis of the commercial bank is affected by various due to the development of the Internet financial: grab commercial bank financial share; Challenge the indirect financing of commercial bank functions; Weaken the commercial bank financial intermediary role; Weaken the commercial bank payment function; Change the traditional commercial bank management mode; The impact on the commercial bank management idea a "fish gills effect" and so on. The fourth chapter analyzes the status of chongqing bank: bank of chongqing business situation, profit model, have advantages and disadvantages. Finally on the basis of the analysis of previous chapters on the chongqing bank direct bank expected and Suggestions were put forward: expectations of users, asset scale, put forward the study abroad direct bank development model, the appropriate change management idea, with micro letter bank, small business loans, etc.This paper analyzes the Internet commercial bank financial competition environment advantages and disadvantages, the development trend of direct bank, aimed at chongqing bank under the age of the Internet of the future and provide some ideas to form a new competitive advantage.