A Research On The Development Strategies Of One Agricultural Bank In The Internet Financial Times

In the pattern of the Internet finance,commercial banks make the most of their advantages to develop the business in order to occupy the market,with all kinds of pressure and competition.In e-commerce,there exist some problems in management,technology,function,product innovation and risk prevention and control,owing to the late start and absence of speciality.Therefore,from the perspective of the Internet finance,it is greatly significant to research the development strategies of e-commerce in the condition of rapid development in technology and the wide usage in the Internet finance.Making full use of the feature of the convenience and swift,low cost,low risk in the Internet finance occupies market and gains greater economical benefits so as to improve traditional business,enhancing the core competition of commercial banks.Based on the previous analysis and study,the paper analyses the current issues existing in one agricultural bank deeply by PEST and SWOT model in the four aspects of advantages,disadvantages,opportunities and threats.The comprehensive analysis of politics,economy,society and technology will bring counter-strategies and suggestions to the agricultural bank for its future development,which would be positively practical significance for guiding its sustainable development.This paper has made a conclusion that 1 Policy environment is the key element for the agricultural bank.2.Its restrictive factors are developing behind for financial products,inflexible price strategies,and the low-educated clients.Compared with other banks,it will become its vital point to make the most of its advantages in the coming future with its nice asset quality and performance development,mature financial product system,and complete service network.3.It may be a solution for the agricultural bank to expand the service for “three agriculture” in depth and breadth,implement fine management,hierarchically market for service objects,and set out suitable developing methods,in the condition of marketing and the sharpening of business competition.