The Research On Financial Sales Channels Under The Background Of Internet Finance

The business model innovation brought by technological innovation has become an important driving force of social and economic development.The rapid development of information technology in China,the application of computer network is more common and popular.Because the financial industry depends on the acquisition and dissemination of information,so when the Internet spread to various industries,the financial industry to become a pioneer.With this trend,a new model of Internet banking came into being.2013 was known as the "Chinese Internet financial year".In this year the emergence of a large number of non bank financial center and products,traditional finance and the current financial industry had a strong impact.?report on the work of government?2014 presented Internet financial need to improve and coordinate the financial supervision mechanism,shows that this model has received considerable attention.At the same time,also led to financial sales and sales channels of large-scale debate.This paper mainly through the theory of financial innovation,the definition of related concepts,the Internet financial literature research,SWOT analysis method,case studies and other research conclusions,prospects for the development of sales channels of financial Internet financial background.Clear Internet banking is how to produce in the analysis,and the main reason for the running process.Secondly,through literature study and reference.Third were analyzed and the advantages and disadvantages of the current financial sales channel model,with fourth typical cases as the theme of decomposition research,finally draws the conclusion and the prospect of a new pattern of traditional financial analysis.The main research of the Internet direct banking,based on Internet platform to carry out financial services sales of third party terminal,completely new concept of Internet banking model P2P and Crowd funding.To reduce information costs,improve the symmetry of information to speed up the process of traditional financial disintermediation,traditional financial institutions will be part of the Internet finance instead.In the face of the Internet financial reform through the unpredictable future,financial sales will usher in a new transformation of a business strategy and channel.