Research On The Problems Of Countermeasures Of The Direct Bank Of China

With the continuous development of science and technology,the Internet Finance gained rapid development in recent years,the emergence of all kinds of innovative financial products.As a new type of bank management,Direct Bank have received extensive attention.People believe that with the development of science and technology,this new type of bank management will provide a broader space for the development of the banking industry.At present,in the international market,direct bank had many cases,China's direct bank started late but developed rapidly.This paper tries to study the feature and trends of China's direct bank through comparative study on direct bank in US and China,and makes forecast for the future development of direct bank in China.This papers select has research domestic has made relative success of "pioneer type" direct bank-livelihood direct bank of development status,through study livelihood Bank direct bank business of operation mode,and products type,and service channel,and risk control and innovation initiatives-on livelihood Bank of direct bank business for has compared thorough of Anatomy,to respectively from within,and external on livelihood Bank direct bank business of advantage and disadvantage,and faced of opportunities and challenge for has detailed analysis,last combined domestic,and other direct banking experience as well as the characteristics of the Minsheng Bank direct banking,Bank direct banking on people's livelihood in the future given the development of the search for and development of resources to support,implement and further differentiation strategy,improve the risk management of these three is more feasible and useful strategy.Based on the comparison of domestic and foreign Direct Bank's development,this paper provided the suggestions for the development of the Minsheng Bank direct banking in China,from the factors of financial products,such as customer orientation,customer and market demand,brand development,channel optimization,and competitiveness,and the function of financial intermediaries,such as improve efficiency,reduce cost,and control risk.