Planning Research On The Construction Bank's Network Finance Scheme Based On Internet Finance Companies

In recent years, the Internet finance has occupied the market rapidly because of its convenient, fast and low cost, which developed extraordinarily.The paper indicated the differences and relations between the e-finance and Internet finance, basing on the analysis of much present situation and development of e-financial service, and analyzed some of the patterns, like the third-part payment, funding, investment and so on. Then the author cleared the furher impact on the commercial bank from Internet finance enterprises which leading the new ecological e-finance. Taking the e-finance of China Construction Bank (CCB) as an example and comparing with Internet financial enterprises, the author did the SWOT analysis of developing the e-finance from every stage of its developing history, and declared that it had its own advantages and disadvantages, with good opportunities and sever challenges meanwhile. Finally, this paper designed specifically some of the key cases, combining with CCB's culture and characteristics, which are different from Internet financial enterprises and adapt to the feature of CCB as a large state-owned bank. What's more, the paper makes some suggestion to CCB on how to meet to the challenges of "Internet+"age, like developing a creative transformation, making sure of financial security and legitimating, building the e-financial ecosystem, enhance advantages and making shortcomings, expanding the entrance, making online and cross-border cooperation, developing cross-combination service, trying innovation on infrastructure, integrated platform, entrance channel and application scenario.The new ecological e-finance in the "Internet+"era has its own features:the financial scene to drive, the platform entrance to guide, user experience first, and data mining first. CCB should taking the following measures to keep developing:speeding up the implementation of e-finance planning, promoting cross-border services, creating integrated information platform, adapting to various network scenario, building different business model, and so on. This paper would serve as a reference for other banks'e-financial development from the view of CCB as a large state-owned bank.