| In recent years, With the development of Internet information technology, Based on social networks, online shopping platform, big data, cloud computing, mobile communications on the basis of the third party payment, P2P, mobile payment, balance and financial institutions such as online platform of Internet financial model, Gradually formed the scale and had a profound influence on traditional financial field, the echnology of disintermediation, disintermediation disintermediation, information channel, customer relations disintermediation is gradually weaken the bank of traditional financial intermediary function. Especially Internet giants are derived based on a technology platform, network ecosystem, huge amounts of transaction data and flexible business model developed by the new payment tools and platforms, the commercial bank has formed the huge challenge.As the battle over the future platform becomes more intense, the future of the Internet financial forms will be formed, which is based on Internet platform, customer self-service is given priority to, bank remote service is complementary business models. Platform or "entrance", all will become interested in Internet financial financial and non-financial enterprises focus of competition. For commercial Banks, the construction of the integrated service platform will become the core of its adapt to the development trend of the Internet financial strategy.In this paper, we study how commercial Banks based on Internet thinking, integration of existing advantage resources, through innovation to meet the needs of the era of financial model to construct the integrated services platform. In the nature of the Internet financial analysis and financial development of the Internet in China, on the basis of investigation in this paper, I worked for many years of Industrial Bank, for example, from the perspective of value chain of commercial bank restructuring put forward construct comprehensive service platform of the Internet financial strategy and the strategy pattern.This paper studies suggest that for the future of the Internet financial development, commercial Banks urgently need to reconstruction of the value chain to explore online integration, unified management of all the channels for the construction of the "integrated financial services platform". Based on the strategy of "integrated financial services platform" ecosystem "platform" will be formed by all financial institutions and third parties involved in financial fields the symbiotic win-win main place. Industrial Bank can upgrade by integrating the existing platform, strengthen cooperation with Internet companies, opening up new areas of mobile financial to implement the Internet under the background of financial comprehensive service platform construction, financial "pioneer" become the Internet. |
