Research On The Transformation Of Credit Business Of ZJ Rural Commercial Bank Under The Background Of Internet Finance

With the popularity of the Internet in the global and broadening the application range,Internet financial arises at the historic moment,on the development of Internet technology,online banking,mobile banking,mobile payments,balances,the ant gold treasure financial innovation business such as the booming in China,thus formed a new kind of financial model-the Internet finance.So far,the rapid development of Internet financial business,to the impact of the financial institutions,especially the banking industry has appeared,along with the development degree of deepening,the financial and commercial Banks will be more intense competition,and even changed the banking business model,so understanding and research is particularly necessary Internet finance,especially the banking on the Internet as a representative of the financial sector financial developing rapidly under the background of how to react to and how to carry out business transformation,has important theoretical significance and realistic significance.At present,ZJ rural commercial bank needs to deal with the impact of Internet finance through the corresponding transformation of existing credit business.Credit business transformation research of theory to practice with strong guiding role,the transformation of the research is to find advantages and disadvantages in the existing process system,based on the original process system,using the theory of the Internet technology and enhance the competitiveness of their business,improve the system of risk control,make what ZJ rural commercial bank can under the background of rapid development of the Internet's ability to obtain sustainable development.This paper reviews the domestic and foreign researchers about the Internet financial development view and the Internet financial impact on commercial Banks,as well as to the Internet,finance,and the Internet,the article briefly introduces the financial found what ZJ rural commercial bank itself and the problems existing in the process,through the analysis of the Internet financial competition environment of small and medium-sized commercial Banks,found in the Internet financial development under the background of the development of the rural commercial bank business transformation of the new opportunities and ways,bank credit business mainly involves several aspects:the innovation of technology,gradually improve riskcontrol measure,and innovation management mode,channel developing.The author will focus on the aspects of the business to illustrate how to transform and develop through network channel expansion,big data application and virtual credit platform.In theory research combined with empirical research from the collected literature material basic form can be used to guide the business transformation management system,at the same time,combining the Banks practical measures taken by the business transformation,screening form suitable for what ZJ rural commercial bank credit business transformation of the development of the theory.In contrast with the current transformation policy issued by ZJ rural commercial bank,this paper examines the practicality of the transformation management system.