Research On The Development Strategy Of Rural Commercial Banks In The Context Of Internet Finance

Finance has always been a capital and data intensive service industry, its use has been the forefront of the information technology to improve their quality of service, innovation of the original service mode, expand existing services. With the development of Internet technology, especially the social networks, mobile communication technology, the development of e-commerce, modern society has entered a new era-big data era, this kind of cloud computing based large data storage, sharing, and mining technology to traditional industry's business model also caused a huge shock. In the financial field, based on large data, cloud computing emerging Internet technologies such as new products, new services are constantly emerging.S bank as a local rural commercial bank in fujian province, in order to adapt to the changes caused by the Internet technology in the financial sector, are trying to build new services such as Internet banking, mobile banking platform, also has obtained certain result, but is limited by its own development ideas, capital and technology strength, its Internet financial development strategy compared with Internet companies and large commercial Banks lack of systematic, the effect is not obvious. In the era of Internet finance, rural commercial bank's traditional business is squeezed, highlighted the problem of insufficient business innovation increasingly. Therefore, under the background of Internet financial, S bank should be how to adjust development strategy to meet the challenge of the Internet age, seize the development opportunity, seeks long-term and stable development, is a question worth pondering. This article summarized the domestic and foreign related research results, on the basis of the comprehensive use of PEST, porter five models, such as the SWOT strategy analysis method, determines the bank S problems that exist in the development strategy, and from the level of customer and business to determine the S bank in the future development strategy, and put forward the concrete strategy implementation.According to the result of SWOT analysis and the actual situation of S bank, S bank should choose SO strategy as the future strategic direction, and from two dimensions of specific customers, and business strategy, in the customer dimension, should adhere to the individual customers and small and medium-sized enterprise customers and the synchronous development, the business dimension, should build a new value system, business process reengineering of traditional and innovative product portfolio.Development strategy after the specified, S bank should respectively from the organization and the transformation of human resources, business management, marketing, line management, the aspects such as the implementation of information construction, focus on building meet the requirements of the era of the Internet financial new rural commercial bank.