A Study On The Development Strategy Of Direct Bank In F City Bank

Starting in 2013, China's Internet began to accelerate the penetration to the financial industry, all types of mobile terminal, telephone, fax, etc. terminal and electronic tools to the Internet for the channel, the gradual integration of the traditional financial sector, the formation of unique financial ecological environment. Part of the domestic banking business especially retail business is no longer dependent on traditional outlets, but has the goal to select homoplasmic customers, provide simple and practical financial products and convenient humanized service, which is direct bank. Combined with F City Bank in the external environment and internal situation, F City Bank development direct banking are facing opportunities and challenges, and its advantages and disadvantages are analyzed, and the analytic hierarchy process (AHP) method, proposed F City Bank should be mainly used to play advantage, meet the challenges of the st strategy, and focus on product innovation ability and profitability is still relatively weak key weaknesses. In addition, summarize and compare the experience and characteristics of the development of domestic and foreign direct bank, draw the development strategies and methods of direct bank must combined with the actual situation of the commercial banks, development of direct bank must be efforts to develop new and innovative, adhere to the essential characteristics of direct bank, play a direct bank business advantage. Finally, according to the development experience of domestic and foreign direct bank, proposes the F City Bank development direct bank four strategies:the direct banking products adhere to local conditions of the innovation strategy, the organization actively promote the strategy, the business carried out steadily strategy and product marketing for the dominant strategy in line to play, and puts forward four strategies for the specific implementation method based on.