Research On The Management Strategy Of Internet Banking Of China Construction Bank A Branch

With the rapid development of modern internet technology and mobile technology,people's lifestyle and work style has changed significantly.The development of the internet has brought a revolution to financial field.Alibaba,Tencent,as the representative of internet companies,using technologies such as mobile payment,big data,cloud computing and search engine creates many internet financial products like online banking,mobile phone banking,P2 P loan,crowd funding,the third party payment,Yu Ebao and so on.It penetrates the services into traditional financial field,breaking the monopoly of traditional commercial banks on the financial field of payment,loan,financing and so on.Besides,in the context of the rapid development of internet finance,traditional management model of the commercial banks suffered serious impacts.Therefore,based on current situation,it is an important project for the current commercial banks to study the strategic choices of commercial banks to develop internet finance.Based on this,this paper chooses CCB as the research object,using research method such as case analysis,normative analysis,empirical analysis that mainly studies the following contents: First,it mainly introduces the development of internet finance and discusses the present situation of internet finance of the CCB.It has been discussed about the development of internet finance of the CCB from three aspects,including the whole development status,the development of e-banking services and e-commerce platform;Second,the macro environment of the internet finance business of the CCB A branch has been analyzed from political environment,economic environment and social culture environment;Third,by using the SWOT model,the advantages,disadvantages,opportunities and threats existed in CCB A branch has been analyzed during developing internet finance;Fourth,detailed strategies of developing internet finance business for CCB A branch have been put forward,mainly from the whole strategic objective of CCB internet finance business and management strategies of CCB A branch internet finance business;Fifth,aimed at the development of CCB A branch internet finance business,some safeguards have been analyzed,wishing to provide reference for commercial banks to develop internet finance.