Research On The Development Strategy Of Direct Bank In China

Direct bank is a new exploration of commercial bank in the background of Internet financial development,and is becoming a new area of concern in the banking industry.It is significance to study the development strategy of commercial direct bank and to upgrade the financial system.The study also help to build the service system of inclusive finance.The operation pattern of direct bank has become more mature in foreign,but still in the stage of preliminary exploration in China.It is of great theoretical and practical value to systematically explore and analyze the theoretical basis,practical conditions,existing problems and future development strategies of domestic direct banks.This paper first introduces the current situation of the development of domestic direct bank,summarizes the characteristics of the operation pattern of direct banks which is different from the traditional commercial banks,and sum up the essential difference between the direct banks and mobile banking,online banking and other operation pattern rely on the Internet channels----it is the reason of commercial banks carry on direct bank under the premise of having introduced mobile banking and online banking.Secondly,this paper analyzes the determinants of commercial banks' operation pattern,and discusses the emergence and rise of domestic direct banks is the inevitable choice for the operation pattern of commercial banks in combination with the realistic conditions of banking industry in China----technology,market and policy.Based on these studies,make a prejudgment about the future development of direct banks.Then,taking Min Sheng direct bank as an example,this paper introduces its comprehensive influence in China and products and services,compares its operating performance,and summarizes its weakness.Finally,this paper summarizes the disadvantages of direct banks of small and medium-sized commercial banks in order to improve the operation mode of the domestic direct banks and enhance the innovation ability of the small and medium-sized banks in the fierce competition with the large commercial banks.