Research On Improved Business Strategy For Harbin Bank Under The Background Of Internet Finance

Internet banking is full use of Internet technology in the financial business,can be said to be the financial behavior of the Internet, with the development and application of Internet technology in the financial sector, traditional financial services and business models has serious challenges, while the traditional financial industry as a whole, the market environment, business structure and mode of operation are greatly affected. The development of the Internet, force traditional banks to operate in their current, actively adjust development strategies, promote reform and innovation in order to adapt to market changes and improve their core competitiveness. Internet finance in China's development of the Bank's restructuring and reform practices in the perfect stage, and quickly due to the financial development of the Internet, force traditional banks to respond quickly, otherwise there is risk of customer loss. Traditional banks should not exclude the Internet finance in China, and should be hand in hand, to seek cooperation, accelerate its reform and innovation, strengthening of data and the use of information technology, and reduce the cost of financial services,improve service quality, to traditional banking financial advantages of Internet technologies to improve competitiveness, and achieve a win-win goal.Based on the definition of Internet banking, the main models elaborated based on the analysis of the current situation and development at home and abroad, combined with compare the advantages and disadvantages of Internet banking and traditional banking, analyzes the Internet finance on traditional banking liabilities end of intermediate business income, assets and influence.Based on Internet financial on traditional banking of effect, combined Harbin Bank of business status, paper detailed analysis has Internet financial on Harbin Bank income end, and cost end, and customer structure, aspects produced of effect, pointed out that its not formed 7*24 hours real-time service channel, and products structure single and innovation speed, and big data using capacity weak,and business handle process complex, and system interface not friendly, and yet building integrated integration of financial service platform, and ignored long tail market, problem. For, paper combined peer experience and Internet financialof development features, for Harbin Bank of reality, proposed from established and promotion collection Bank and micro-letter Bank, and exploration direct bank, and building community financial mode, and through 7*24 hours of service channel, and building professional products innovation team, and established full line level of products evaluation system, and adjustment organization schema,and concern long tail market, and strengthening big data and information technology of using, and carried out industry chain financial service, and sought and third party company cooperation, aspects starts with, Establish and perfect service system, improve the business structure, with a view to provide transition of Harbin Bank Internet banking in the road Guide and reference.