The Development Strategy Research On Xian Jin Bao Of ICBC

With the popularization and development of Internet technology and application of the Internet,the Internet and the integration of traditional industries to accelerate the development,"Internet plus" has become an irresistible trend.In recent years,the "Internet plus finance" mode is rising rapidly in China’s financial industry,the industry generally believe that the Internet Financial Times has come.At present,the typical business model of Internet banking in China mainly includes third party payment,electricity business credit,P2 P credit,all the chips and Internet funds,etc..Among them,with the balance of treasure as the representative of the Internet Fund model,since its inception in 2013,the rapid development of the speed,the size of the transaction,the impact of a wide range of people from all walks of life.The Internet Fund,not only influence the commercial bank customer loyalty,and the impact on bank deposits,profits,more importantly has profound influence on the commercial bank business model,profit model.Faced with the direct challenge of Internet companies in this field,commercial banks have also launched a number of class balance treasure products.Through the comparison of Alipay company launched the balance of treasure and the industrial and Commercial Bank of China launched the "cash treasure",can be seen,both of them are low threshold,high yield,simple operation and other similarities,there are market positioning,marketing strategy,risk characteristics of different points.From the future development prospects,through SWOT analysis,we can see that commercial banks have advantages in resources,professional,credit and other aspects,also has disadvantages in information integration,business integration,investment;policy support in the market has the opportunity to face customer diversion,weakened,product updates and threats.Therefore,suggested that commercial banks should further study the future trend of the development of the Internet Fund,identify their own market positioning,through the implementation of the Internet,mergers and acquisitions,competition cooperation strategy...