Research On The Development Strategy Of China Everbright Bank To Deal With The Financial Challenges Of The Internet

In recent years,Internet companies rely on their own social networks,search engine,e-commerce platform,the service content expansion to the traditional financial sector,some internet financial business model emerged,breaking the traditional financial development pattern,and to seize the opportunities in the market.Faced with the challenges of Internet financial impact,commercial banks began to gradually implement reform and innovation,and actively adjust the business model,the interpretation of "China Everbright Bank Chinese depth Internet plust" concept,to Inclusive Finance as the reform direction of development,and through the market segmentation and market niche in the financial aspects of the Internet has opened up a market.But with the large state-owned banks in terms of asset size,pricing,risk control,there is still a gap,need to further clarify ideas on the existing basis,identify the direction of development,determine the scientific and rational development strategy,in order to obtain greater living space in the future of the Internet financial competition.In this paper,the Internet financial and strategic management theory,firstly,using the PEST analysis,Potter five forces model management tool,carries on the analysis to the China Everbright Bank Chinese Internet to deal with,the financial challenges of the environment,and using the EFE matrix and IFE matrix respectively on the internal and external environmental factors existing quantitative evaluation.Secondly,points out the opportunities and threats,advantages and disadvantages of China Everbright Bank has through SWOT analysis method,combined with the results of environmental assessment,this paper shows several alternative development strategy,and the use of various factors to evaluate the QSPM matrix,the selection of the best use of internal strengths,to avoid external threats ST strategy.Then,it studies the main contents of the development strategy,including the implementation of business strategy,marketing strategy,technology strategy.Finally,according to the previous analysis of the three functions of the strategy is detailed,and put forward the corresponding security strategy.Study on the multi angle,a full range of Everbright Bank China facing the financial challenges of the Internet,and puts forward three development strategies,including:to activelyStudy on the multi angle,a full range of Everbright Bank China facing the financial challenges of the Internet,and puts forward three development strategies,including:to actively implement the business strategy,including the establishment of financial institutions alliance,a strong impetus to Corporate Banking Services,exploring new financing mode,development of cross-border currency business;two to implement the Internet marketing strategy,including the innovation of third party payment,launched direct banking,deep plowing the field of managed funds,opened WeChat bank;three to implement the technology strategy effectively,the use of big data analysis means,strengthen the comprehensive management system of horizontal,reduce the cost of using the internet.The conclusion of this paper not only studies the development strategy of China Everbright Bank Chinese to deal with the financial challenges of the Internet has important significance,also for small and medium sized commercial banks in China Everbright Bank China as the representative of how to deal with the financial challenges of the Internet has both theoretical and practical aspects of the dual significance.