Research On Financial Service Innovation Of Industrial And Commercial Bank Of China (ICBC) A Branch Under The Internet Background

The development of the Internet has led to an electronic revolution in banks,changing the manual operation of traditional banks and the relationship between banks and customers.With the development of the Internet,commercial banks and financial services industry have taken on a new look,and the innovative operation models of electronic banking and online securities have brought tremendous changes to the development and popularization of finance.Based on the above background,this paper carried out the research of A branch under the background of Internet financial service innovation mechanism of industrial and Commercial Bank of China,under the background of Internet Commercial Bank A branch of financial service innovation as the research object,implementation of the strategy for the development of electronic banking commercial banks measures and explore the service innovation,this research has great practical significance in promoting the long-term and far-reaching significance the development of A bank in the Internet environment.This paper first introduces the related theories of Internet financial services innovation,including technology advance theory,wealth growth theory and transaction cost theory.In this situation,this paper carried out the analysis of the A branch under the background of Internet financial service innovation present situation and reason,the first is an overview of the basic situation of A branch,and on the basis of the development status of A branch under the background of Internet is analyzed and researched,including marketing environment,service mode,current status and current situation of product strategy of customer groups and so on,and combined with the background of the Internet of the A branch of the existing problems and the corresponding reasons are analyzed and studied in detail.Finally,study of the industrial and Commercial Bank of A branch of financial service innovation design as an example,a clear positioning of many aspects,enhance the customer experience,and to construct a set of online platform,the platform can achieve good line linkage under the line marketing,achieve good effect into service innovation mechanism.