Research On The Transformation Of BC Rural Credit Cooperatives Under The Background Of Internet Finance

Since the 1990 s,the development of China's Internet financial can be roughly divided into the traditional Internet,the third-party payment and the Internet booming substantial financial business development three stages.Nowadays,the Internet financial model mainly includes six modes: P2 P credit model,third-party payment mode,crowdfunding model,information-based financial institution,Internet financial portal and big data finance.The Internet financial products represented by alipay,yu 'ebao and tencent finance are emerging continuously,and they are widely popular among the masses with their characteristics of low cost,convenience,openness and transparency,equality and so on.The rapid capture of traditional financial market has different influences on traditional banking financial institutions' traditional business,intermediary service status,customer service mode and traditional business thinking.In Internet financial background,the traditional banking financial institutions shall be as the main body of the Internet financial and dominance in the Internet finance,complement each other,using their own advantages,vigorously develop the financial Internet,implemented by the "financial" Internet to Internet finance,access to the Internet through the original product flow platform,launched a new online platform and products,with the Internet finance company strategic cooperation,traditional banking financial institutions to establish become able to take advantage of the Internet technology and has the spirit of the Internet "Internet bank",the traditional management pattern and the Internet financial model of organic integration.Financial shocks on the Internet and other banking institutions under the background of expanding the Internet financial scene,BC rural credit cooperatives to learn from other banking institutions,good also made a series of transformation practices.This includes the introduction of debit card business into the Internet,the introduction of new products such as mobile banking,and cooperation with Internet companies to launch preferential payments.In addition,it has practiced some other transformation methods,such as cooperation with insurance companies and other platforms,and cooperation with government departments.Through the series transformation practice,achieved certain result,the deposit,the loan scale grows steadily.But there are still many problems,such as low regulatory rating and limited business development.Customer group Internet financial awareness is not strong,business promotion is slow;Lack of high quality personnel,information processing ability and weak data analysis ability;The management concept has not completely changed,not completely to the customer as the center;Internal management and risk prevention and control capabilities need to be strengthened.In view of the existing problems,this paper puts forward relevant Suggestions and measures.It includes improving supervision rating,building talent team,strengthening data analysis ability to optimize customer structure,transforming management concept and improving risk prevention and control ability.BC rural credit based on Internet financial environment of rural credit cooperatives management pattern transformation question discussion,for the traditional banking financial institutions actively respond to challenges of Internet financial and focus on the transformation of business model,providing ideas change the theory support and the transformation of innovation of theoretical guidance.Through the transformation practice of BC rural credit cooperatives,the problems and shortcomings of the transformation process of BC credit cooperatives can be deeply analyzed,which can provide practical enlightenment for the transformation of traditional banking financial institutions.