Internet-based Financial Services Research Issues A Case Study On A Bank

In recent years, the Internet technology to obtain a rapid development, the next generation of Internet technology, including mobile payments, big data, cloud computing, social networking and search engines, the current Internet banking has emerged in a variety of forms, such as Ali Baba’s treasure class balance, micro-channel banking, mobile banking, P2 P, third-party payments. According to incomplete statistics, in 2014 the number of network lending platform to reach 1575, net loan volume has been growing very rapidly, reaching 252.8 billion yuan. 2013, third-party payment network services market reached 17.9 trillion, an increase of 43.2%. The rapid development of the Internet changed the way people finance financial service needs and spending habits, the impact of traditional commercial banking services model and philosophy, traditional commercial banks under the new situation, how to follow the trend, the positive development of Internet banking, to seize such a large market in the future space to realize their own sustainable development worthy of our in-depth study. A bank is one of the earliest joint-stock commercial bank established, has successfully launched online banking, e-payment platform, mobile banking and other Internet financial services, and has made some achievements. But in the highly competitive Internet financial situation, A bank is also facing a variety of challenges that need to actively explore the Internet financial services, make the transformation and innovation. A bank in 2013 in collaboration with Ali Baba, Ali launched the Direct Bank on the platform, open bank online business, and launched the "cloud marketing" and other services, along with China Merchants Bank in 2014 to test the water network P2 P lending, strong investment in human and capital development Internet banking platform. This paper analyzes the new situation and the current development of China’s Internet and financial development and financial services Internet Bank A, Bank A for the advantage of the Internet financial services, weaknesses, challenges and opportunities using the SWOT model depth analysis, that the new situation A Banks eligible customer and profit model, credit services, payment services challenges, A bank need to combine their strengths and weaknesses, through greater emphasis on the customer experience, financial Internet technology, data mining and the use of large Internet companies and other measures to strengthen cooperation and actively explore the Internet banking The new business, to achieve sustainable development of traditional banks.