Traffic Banking Personal Banking Business Shaanxi Marketing Strategy In The Background Of Internet Finance

Mature with the development of Internet technology,Internet penetration to the financial sector,and financial integration is becoming more and more closely.Such as mobile phone bank,WeChat pay,pay treasure to balance of payments,treasure,online sales of products,etc.,all belong to innovative financial model,financial model is the Internet.The emergence of the Internet financial brings commercial Banks a huge impact in all directions.First of all,financial make full use of the advantages of the Internet,the Internet has greatly increased the information collection,analysis,processing capacity,greatly weakened the function of the commercial Banks information intermediary,the financial status of commercial Banks are the biggest impact of;Second,by adopting a flexible business model,Internet financial enterprise development or affiliated third party payment platform,such as a new online payment platform,thus greatly challenged the traditional commercial Banks in the dominant position in the field of payment;Again,the Internet financial advantage of its good price discovery function,to the traditional commercial bank interest income and intermediate business income of the two big source of income has launched a strong shock;Finally,Internet financial use their own network advantages,carve up the traditional commercial bank customer resources,make the service mode of traditional commercial Banks take the customer as the center of impact.In a word,the Internet increasingly widespread application of the financial model,make the traditional operation mode of commercial Banks by the tremendous impact,in such an environment,commercial Banks how to transform the traditional business model,take the initiative to adapt to the development of the Internet financial,it is very important.At present,our country commercial bank is gradually from the traditional loan business is turning to pluralistic difference competition pattern,and personal finance business is one of very important innovation business,as a result,many commercial Banks,including bank of communications,are actively exploring and need to fit the development of commercial Banks personal financial business marketing strategy,to seek the key to solve the problem.In this paper,we study on traffic bank personal financing business for the object,in shaanxi market for range,first of all,from the perspective of the market marketing related theory,analyzed the traffic bank financing business in shaanxi marketing present situation,through the SWOT analysis method is pointed out that traffic bank personal finance business in shaanxi marketing situation and the existing problems and reasons,mainly analysis the background of Internet traffic bank personal finance business in shaanxi overall marketing strategy and competitive strategy,and finally points out that under the background of Internet traffic bank personal financial business marketing safeguard measures in shaanxi province.But due to limited level of study conditions and I,in this paper,there are some deficiencies:there are based on certain economic data is not very good,2 it is in this paper,the background of Internet traffic bank personal finance business in shaanxi marketing strategy analysis of the weakness of the planning is focusing too much on the macro factors,while ignoring some microcosmic factors,how to effectively in the frame of the research,the combination of micro factors under the background of the Internet traffic bank personal finance business in shaanxi marketing strategies make more detailed studies need further exploration.