Mobile Financial Strategy Development Research Of Chongqing Rural Commercial Bank

With the rapid development of mobile Internet technology and the rapid spread of intelligent mobile terminals,financial consumers increasingly hope to meet more financial services needs through the mobile devices,so mobile payment and Internet finance have emerged,which effectively meets the consumers’ needs.At the same time,these innovations and changes are also changing the financial sector service model,evolves mobile finance.This paper argues that mobile finance is a kind of financial products services,which can achieve your financial management by using intelligent mobile terminals through wireless Internet technology.It breaks the traditional financial services constraints in space and time,so that people can enjoy high quality and efficient financial services anytime.The mobile finance market demand is very large,therefore,mobile finance is the inevitable trend of the future development of the financial industry.At present,China’s mobile finance is still in infancy.Mobile payment is a major mobile financial product.Pay treasure and WeChat payment have a major market.Mobile operators also occupies a place through its’ large user groups.At the same time,the fast convergence of the Internet finance and mobile terminal continually produces a large number of new financial business requirements.Commercial banks are not the only way for customers to handle the deposits,loans,and settlement business.This puts forward new requirements and challenges about customer marketing,trading operations,business development and risk control management mode for commercial banks in the mobile financial environment.This paper chooses Chongqing Rural Commercial Bank as the research object,which is also because the bank is the local bank in Chongqing.It has the most physical networks,employees,and the biggest assets.It’s the first listed rural commercial bank in China,which has the incomparable advantage in traditional financial area.But these advantages have been weakened in the era of mobile finance,and even become into disadvantages.It has a certain theoretical and practical significance for regional commercial banks that researching Chongqing Rural Commercial bank’s development strategy coping with the mobile finance.In this background,from the perspective of bank,through the scientific research methods and train of thought,summarized the connotation of the mobile finance,combed the development background and framework,analysed the current situation and the influence for commercial banks,this paper analysed Chongqing Rural Commercial Bank’s strengths and weaknesses,opportunities and challenges under the environment of mobile finance by the SWOT model,and put forward the corresponding development strategies,so that provide some references for Chongqing Rural Commercial Bank’s development of mobile finance.