Research On Xi'an Bank Transformation Strategy Based On Internet Finance Perspective

With the advent of the Internet era,the development of traditional industries ushered in unpredictable challenges and opportunities,especially for the future development of the financial industry cannot be ignored.Internet banking as a new financial service mode,has its unique value creation,the combination of traditional financial industry lies in:on the one hand,there is a certain innovation in financial sales channels and financial channels;on the other hand,the existence of regulatory and credit risk problem.In addition,because China's commercial banks has always attached great importance to the capital source and good reputation of the enterprise and the customer,on a smaller scale,lack of funds for small and micro enterprises do not pay enough attention,and the emerging Internet financial enterprises to meet these Small and micro businesses demand for funds,and can take the social idle funds together in a relatively short period of time,this is undoubtedly to the traditional commercial banks a major blow.Therefore,how to meet the challenges,meet the opportunities and formulate the correct development strategy has become a key issue for the development of commercial banks.In order to effectively adapt to the "Internet +" era demand,and better provide financial services for the vast number of SMEs,commercial banks should proceed from a strategic point of view,analysis of how to achieve sustainable development in the context of Internet banking.In view of this,this paper combined with the specific circumstances of the Bank of Xi'an's development strategy,using the SWOT analysis method to study the Internet finance to the Bank of Xi'an to the challenges and opportunities in the Bank of Xi'an to find the hidden problems in the development process,for example,the development of strategic planning,lack of scientific characteristics,data collection and integration of information capacity is not enough,the lack of human resources planning.According to the specific problems in the process of development,the design,the development strategy of the Bank of Xi'an at the same time,the analysis of the current financial market environment based on the specific choice of Internet financial perspectives Xi'an bank development strategy,build the"Internet + financial" management strategy.Finally,on the basis of preliminary development of Internet related financial practice and theoretical analysis of the Bank of Xi'an,the development strategy of the Bank of Xi'an and how to promote the implementation of Internet banking from the perspective of strategy and put forward some suggestions,in order to ensure the smooth implementation of the strategy.In short,this paper based on the perspective of Internet Financial Research of Xi'an bank development strategy is a systematic planning and strategy for the Bank of Xi'an with its own goal and choice,to a certain extent,will have an important impact on the Bank of Xi'an's service model,business development,risk management and construction decision-making,thus affecting the overall reform of the Bank of Xi'an.At the same time,the development of commercial banks in the market is a promotion,to actively promote the innovation of financial products and service mode of the network update,also provides a platform for comprehensive wealth management to create online and offline.In addition,some feasible suggestions are put forward for the concrete problems of practice,hoping to help the future development of city commercial banks.